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$29,971
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,904
−HK$947/mo
Today · 4.125%
HK$31,851
baseline
▲ 0.50% · 4.625%
HK$33,789
+HK$1,938/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,702/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,343
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,237
−HK$907/mo
Today · 4.125%
HK$35,144
baseline
▲ 0.50% · 4.625%
HK$36,997
+HK$1,853/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,288/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,966
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,084
−HK$1,137/mo
Today · 4.125%
HK$38,221
baseline
▲ 0.50% · 4.625%
HK$40,547
+HK$2,326/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,442/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,011
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,084
−HK$1,089/mo
Today · 4.125%
HK$42,173
baseline
▲ 0.50% · 4.625%
HK$44,396
+HK$2,223/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,346/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,960
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,265
−HK$1,326/mo
Today · 4.125%
HK$44,591
baseline
▲ 0.50% · 4.625%
HK$47,304
+HK$2,713/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,182/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,680
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,932
−HK$1,270/mo
Today · 4.125%
HK$49,202
baseline
▲ 0.50% · 4.625%
HK$51,795
+HK$2,593/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,404/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,948
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,626
−HK$1,705/mo
Today · 4.125%
HK$57,331
baseline
▲ 0.50% · 4.625%
HK$60,820
+HK$3,489/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,662/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,017
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,627
−HK$1,632/mo
Today · 4.125%
HK$63,259
baseline
▲ 0.50% · 4.625%
HK$66,594
+HK$3,335/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,518/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,893 · Scale 2, in force from 26 Feb 2026)