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$29,989
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,922
−HK$948/mo
Today · 4.125%
HK$31,870
baseline
▲ 0.50% · 4.625%
HK$33,809
+HK$1,939/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,740/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,363
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,257
−HK$908/mo
Today · 4.125%
HK$35,165
baseline
▲ 0.50% · 4.625%
HK$37,019
+HK$1,854/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,330/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,987
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,106
−HK$1,138/mo
Today · 4.125%
HK$38,244
baseline
▲ 0.50% · 4.625%
HK$40,571
+HK$2,327/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,488/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,035
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,109
−HK$1,089/mo
Today · 4.125%
HK$42,198
baseline
▲ 0.50% · 4.625%
HK$44,423
+HK$2,225/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,396/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,985
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,291
−HK$1,327/mo
Today · 4.125%
HK$44,618
baseline
▲ 0.50% · 4.625%
HK$47,333
+HK$2,715/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,236/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,708
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,960
−HK$1,271/mo
Today · 4.125%
HK$49,231
baseline
▲ 0.50% · 4.625%
HK$51,826
+HK$2,595/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,462/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,981
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,660
−HK$1,706/mo
Today · 4.125%
HK$57,366
baseline
▲ 0.50% · 4.625%
HK$60,856
+HK$3,490/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,732/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,053
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,663
−HK$1,634/mo
Today · 4.125%
HK$63,297
baseline
▲ 0.50% · 4.625%
HK$66,634
+HK$3,337/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,594/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,189 · Scale 2, in force from 26 Feb 2026)