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$29,987
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,919
−HK$948/mo
Today · 4.125%
HK$31,867
baseline
▲ 0.50% · 4.625%
HK$33,806
+HK$1,939/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,734/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,360
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,255
−HK$907/mo
Today · 4.125%
HK$35,162
baseline
▲ 0.50% · 4.625%
HK$37,016
+HK$1,854/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,324/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,984
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,103
−HK$1,138/mo
Today · 4.125%
HK$38,241
baseline
▲ 0.50% · 4.625%
HK$40,567
+HK$2,326/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,482/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,032
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,105
−HK$1,090/mo
Today · 4.125%
HK$42,195
baseline
▲ 0.50% · 4.625%
HK$44,419
+HK$2,224/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,390/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,981
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,287
−HK$1,327/mo
Today · 4.125%
HK$44,614
baseline
▲ 0.50% · 4.625%
HK$47,329
+HK$2,715/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,228/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,704
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,956
−HK$1,271/mo
Today · 4.125%
HK$49,227
baseline
▲ 0.50% · 4.625%
HK$51,822
+HK$2,595/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,454/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,976
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,655
−HK$1,706/mo
Today · 4.125%
HK$57,361
baseline
▲ 0.50% · 4.625%
HK$60,851
+HK$3,490/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,722/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,048
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,658
−HK$1,634/mo
Today · 4.125%
HK$63,292
baseline
▲ 0.50% · 4.625%
HK$66,628
+HK$3,336/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,584/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,147 · Scale 2, in force from 26 Feb 2026)