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$492,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,350
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,244
−HK$908/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$492,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,973
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,092
−HK$1,137/mo
Today · 4.125%
HK$38,229
baseline
▲ 0.50% · 4.625%
HK$40,555
+HK$2,326/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$492,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,020
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,093
−HK$1,089/mo
Today · 4.125%
HK$42,182
baseline
▲ 0.50% · 4.625%
HK$44,405
+HK$2,223/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$492,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,969
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,274
−HK$1,327/mo
Today · 4.125%
HK$44,601
baseline
▲ 0.50% · 4.625%
HK$47,314
+HK$2,713/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$492,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,690
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,942
−HK$1,270/mo
Today · 4.125%
HK$49,212
baseline
▲ 0.50% · 4.625%
HK$51,806
+HK$2,594/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,424/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,960
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,638
−HK$1,706/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$492,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,030
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,640
−HK$1,633/mo
Today · 4.125%
HK$63,273
baseline
▲ 0.50% · 4.625%
HK$66,608
+HK$3,335/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,546/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,998 · Scale 2, in force from 26 Feb 2026)