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$29,919
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,849
−HK$946/mo
Today · 4.125%
HK$31,795
baseline
▲ 0.50% · 4.625%
HK$33,729
+HK$1,934/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,590/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$492,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,284
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,177
−HK$905/mo
Today · 4.125%
HK$35,082
baseline
▲ 0.50% · 4.625%
HK$36,932
+HK$1,850/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,164/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$492,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,902
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,019
−HK$1,135/mo
Today · 4.125%
HK$38,154
baseline
▲ 0.50% · 4.625%
HK$40,475
+HK$2,321/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,308/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,941
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,012
−HK$1,087/mo
Today · 4.125%
HK$42,099
baseline
▲ 0.50% · 4.625%
HK$44,318
+HK$2,219/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,198/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,886
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,189
−HK$1,324/mo
Today · 4.125%
HK$44,513
baseline
▲ 0.50% · 4.625%
HK$47,221
+HK$2,708/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$89,026/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,598
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,847
−HK$1,268/mo
Today · 4.125%
HK$49,115
baseline
▲ 0.50% · 4.625%
HK$51,704
+HK$2,589/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$98,230/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,853
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,528
−HK$1,702/mo
Today · 4.125%
HK$57,230
baseline
▲ 0.50% · 4.625%
HK$60,713
+HK$3,483/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,460/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,911
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,518
−HK$1,630/mo
Today · 4.125%
HK$63,148
baseline
▲ 0.50% · 4.625%
HK$66,477
+HK$3,329/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,296/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,026 · Scale 2, in force from 26 Feb 2026)