The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$29,978
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,910
−HK$948/mo
Today · 4.125%
HK$31,858
baseline
▲ 0.50% · 4.625%
HK$33,796
+HK$1,938/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,716/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,350
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,245
−HK$907/mo
Today · 4.125%
HK$35,152
baseline
▲ 0.50% · 4.625%
HK$37,005
+HK$1,853/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,304/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,974
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,093
−HK$1,136/mo
Today · 4.125%
HK$38,229
baseline
▲ 0.50% · 4.625%
HK$40,556
+HK$2,327/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,458/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,020
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,094
−HK$1,088/mo
Today · 4.125%
HK$42,182
baseline
▲ 0.50% · 4.625%
HK$44,406
+HK$2,224/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,364/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,969
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,275
−HK$1,326/mo
Today · 4.125%
HK$44,601
baseline
▲ 0.50% · 4.625%
HK$47,315
+HK$2,714/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,202/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,690
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,943
−HK$1,270/mo
Today · 4.125%
HK$49,213
baseline
▲ 0.50% · 4.625%
HK$51,807
+HK$2,594/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,426/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,960
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,639
−HK$1,705/mo
Today · 4.125%
HK$57,344
baseline
▲ 0.50% · 4.625%
HK$60,833
+HK$3,489/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,688/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,030
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,640
−HK$1,634/mo
Today · 4.125%
HK$63,274
baseline
▲ 0.50% · 4.625%
HK$66,609
+HK$3,335/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,548/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,004 · Scale 2, in force from 26 Feb 2026)