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$29,969
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,901
−HK$948/mo
Today · 4.125%
HK$31,849
baseline
▲ 0.50% · 4.625%
HK$33,786
+HK$1,937/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,698/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,340
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,235
−HK$907/mo
Today · 4.125%
HK$35,142
baseline
▲ 0.50% · 4.625%
HK$36,994
+HK$1,852/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,284/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,963
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,082
−HK$1,136/mo
Today · 4.125%
HK$38,218
baseline
▲ 0.50% · 4.625%
HK$40,544
+HK$2,326/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,436/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,009
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,082
−HK$1,088/mo
Today · 4.125%
HK$42,170
baseline
▲ 0.50% · 4.625%
HK$44,393
+HK$2,223/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,340/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,957
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,262
−HK$1,326/mo
Today · 4.125%
HK$44,588
baseline
▲ 0.50% · 4.625%
HK$47,301
+HK$2,713/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,176/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,677
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,928
−HK$1,270/mo
Today · 4.125%
HK$49,198
baseline
▲ 0.50% · 4.625%
HK$51,792
+HK$2,594/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,396/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,945
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,623
−HK$1,704/mo
Today · 4.125%
HK$57,327
baseline
▲ 0.50% · 4.625%
HK$60,816
+HK$3,489/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,654/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,013
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,622
−HK$1,633/mo
Today · 4.125%
HK$63,255
baseline
▲ 0.50% · 4.625%
HK$66,589
+HK$3,334/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,510/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,859 · Scale 2, in force from 26 Feb 2026)