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$29,951
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,883
−HK$946/mo
Today · 4.125%
HK$31,829
baseline
▲ 0.50% · 4.625%
HK$33,766
+HK$1,937/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,658/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,320
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,214
−HK$906/mo
Today · 4.125%
HK$35,120
baseline
▲ 0.50% · 4.625%
HK$36,972
+HK$1,852/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,240/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,941
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,059
−HK$1,136/mo
Today · 4.125%
HK$38,195
baseline
▲ 0.50% · 4.625%
HK$40,519
+HK$2,324/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,390/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,984
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,057
−HK$1,087/mo
Today · 4.125%
HK$42,144
baseline
▲ 0.50% · 4.625%
HK$44,366
+HK$2,222/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,288/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,931
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,236
−HK$1,325/mo
Today · 4.125%
HK$44,561
baseline
▲ 0.50% · 4.625%
HK$47,272
+HK$2,711/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,122/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,648
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,899
−HK$1,270/mo
Today · 4.125%
HK$49,169
baseline
▲ 0.50% · 4.625%
HK$51,760
+HK$2,591/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,338/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,912
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,589
−HK$1,704/mo
Today · 4.125%
HK$57,293
baseline
▲ 0.50% · 4.625%
HK$60,779
+HK$3,486/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$114,586/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,976
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,585
−HK$1,632/mo
Today · 4.125%
HK$63,217
baseline
▲ 0.50% · 4.625%
HK$66,549
+HK$3,332/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$126,434/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,561 · Scale 2, in force from 26 Feb 2026)