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$29,994
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,927
−HK$947/mo
Today · 4.125%
HK$31,874
baseline
▲ 0.50% · 4.625%
HK$33,814
+HK$1,940/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,748/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,368
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,262
−HK$908/mo
Today · 4.125%
HK$35,170
baseline
▲ 0.50% · 4.625%
HK$37,024
+HK$1,854/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,340/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,992
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,112
−HK$1,137/mo
Today · 4.125%
HK$38,249
baseline
▲ 0.50% · 4.625%
HK$40,577
+HK$2,328/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,498/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,041
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,115
−HK$1,089/mo
Today · 4.125%
HK$42,204
baseline
▲ 0.50% · 4.625%
HK$44,429
+HK$2,225/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,408/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,991
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,297
−HK$1,327/mo
Today · 4.125%
HK$44,624
baseline
▲ 0.50% · 4.625%
HK$47,339
+HK$2,715/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,248/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,715
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,967
−HK$1,271/mo
Today · 4.125%
HK$49,238
baseline
▲ 0.50% · 4.625%
HK$51,834
+HK$2,596/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,476/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,988
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,668
−HK$1,706/mo
Today · 4.125%
HK$57,374
baseline
▲ 0.50% · 4.625%
HK$60,865
+HK$3,491/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,748/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,062
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,672
−HK$1,634/mo
Today · 4.125%
HK$63,306
baseline
▲ 0.50% · 4.625%
HK$66,643
+HK$3,337/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,612/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,260 · Scale 2, in force from 26 Feb 2026)