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$29,968
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,900
−HK$947/mo
Today · 4.125%
HK$31,847
baseline
▲ 0.50% · 4.625%
HK$33,785
+HK$1,938/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,694/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,339
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,233
−HK$907/mo
Today · 4.125%
HK$35,140
baseline
▲ 0.50% · 4.625%
HK$36,992
+HK$1,852/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,280/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,961
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,080
−HK$1,136/mo
Today · 4.125%
HK$38,216
baseline
▲ 0.50% · 4.625%
HK$40,542
+HK$2,326/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,432/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,006
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,079
−HK$1,089/mo
Today · 4.125%
HK$42,168
baseline
▲ 0.50% · 4.625%
HK$44,391
+HK$2,223/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,336/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,955
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,260
−HK$1,326/mo
Today · 4.125%
HK$44,586
baseline
▲ 0.50% · 4.625%
HK$47,299
+HK$2,713/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,172/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,674
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,926
−HK$1,270/mo
Today · 4.125%
HK$49,196
baseline
▲ 0.50% · 4.625%
HK$51,789
+HK$2,593/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,392/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,942
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,620
−HK$1,704/mo
Today · 4.125%
HK$57,324
baseline
▲ 0.50% · 4.625%
HK$60,812
+HK$3,488/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,648/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,010
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,619
−HK$1,633/mo
Today · 4.125%
HK$63,252
baseline
▲ 0.50% · 4.625%
HK$66,586
+HK$3,334/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,504/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,834 · Scale 2, in force from 26 Feb 2026)