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$29,980
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,913
−HK$947/mo
Today · 4.125%
HK$31,860
baseline
▲ 0.50% · 4.625%
HK$33,799
+HK$1,939/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,720/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,353
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,247
−HK$908/mo
Today · 4.125%
HK$35,155
baseline
▲ 0.50% · 4.625%
HK$37,008
+HK$1,853/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,310/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,976
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,096
−HK$1,136/mo
Today · 4.125%
HK$38,232
baseline
▲ 0.50% · 4.625%
HK$40,559
+HK$2,327/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,464/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,023
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,097
−HK$1,089/mo
Today · 4.125%
HK$42,186
baseline
▲ 0.50% · 4.625%
HK$44,409
+HK$2,223/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,372/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,973
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,278
−HK$1,327/mo
Today · 4.125%
HK$44,605
baseline
▲ 0.50% · 4.625%
HK$47,319
+HK$2,714/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,210/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,694
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,946
−HK$1,271/mo
Today · 4.125%
HK$49,217
baseline
▲ 0.50% · 4.625%
HK$51,811
+HK$2,594/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,434/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,965
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,643
−HK$1,706/mo
Today · 4.125%
HK$57,349
baseline
▲ 0.50% · 4.625%
HK$60,838
+HK$3,489/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,698/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,035
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,645
−HK$1,634/mo
Today · 4.125%
HK$63,279
baseline
▲ 0.50% · 4.625%
HK$66,614
+HK$3,335/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,558/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,043 · Scale 2, in force from 26 Feb 2026)