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$29,940
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,871
−HK$947/mo
Today · 4.125%
HK$31,818
baseline
▲ 0.50% · 4.625%
HK$33,754
+HK$1,936/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,636/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,308
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,201
−HK$907/mo
Today · 4.125%
HK$35,108
baseline
▲ 0.50% · 4.625%
HK$36,958
+HK$1,850/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,216/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,928
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,046
−HK$1,135/mo
Today · 4.125%
HK$38,181
baseline
▲ 0.50% · 4.625%
HK$40,504
+HK$2,323/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,362/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,970
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,042
−HK$1,087/mo
Today · 4.125%
HK$42,129
baseline
▲ 0.50% · 4.625%
HK$44,350
+HK$2,221/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,258/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,916
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,220
−HK$1,325/mo
Today · 4.125%
HK$44,545
baseline
▲ 0.50% · 4.625%
HK$47,255
+HK$2,710/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,090/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,631
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,882
−HK$1,269/mo
Today · 4.125%
HK$49,151
baseline
▲ 0.50% · 4.625%
HK$51,742
+HK$2,591/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,302/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,892
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,569
−HK$1,703/mo
Today · 4.125%
HK$57,272
baseline
▲ 0.50% · 4.625%
HK$60,757
+HK$3,485/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$114,544/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,955
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,563
−HK$1,631/mo
Today · 4.125%
HK$63,194
baseline
▲ 0.50% · 4.625%
HK$66,525
+HK$3,331/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$126,388/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,382 · Scale 2, in force from 26 Feb 2026)