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$29,970
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,902
−HK$947/mo
Today · 4.125%
HK$31,849
baseline
▲ 0.50% · 4.625%
HK$33,787
+HK$1,938/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,698/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,341
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,235
−HK$908/mo
Today · 4.125%
HK$35,143
baseline
▲ 0.50% · 4.625%
HK$36,995
+HK$1,852/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,286/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,964
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,083
−HK$1,136/mo
Today · 4.125%
HK$38,219
baseline
▲ 0.50% · 4.625%
HK$40,545
+HK$2,326/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,438/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,009
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,082
−HK$1,089/mo
Today · 4.125%
HK$42,171
baseline
▲ 0.50% · 4.625%
HK$44,394
+HK$2,223/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,342/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,958
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,263
−HK$1,326/mo
Today · 4.125%
HK$44,589
baseline
▲ 0.50% · 4.625%
HK$47,302
+HK$2,713/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,178/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,678
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,930
−HK$1,270/mo
Today · 4.125%
HK$49,200
baseline
▲ 0.50% · 4.625%
HK$51,793
+HK$2,593/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,400/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,946
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,624
−HK$1,705/mo
Today · 4.125%
HK$57,329
baseline
▲ 0.50% · 4.625%
HK$60,817
+HK$3,488/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,658/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,014
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,624
−HK$1,633/mo
Today · 4.125%
HK$63,257
baseline
▲ 0.50% · 4.625%
HK$66,591
+HK$3,334/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,514/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,871 · Scale 2, in force from 26 Feb 2026)