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$29,949
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,880
−HK$947/mo
Today · 4.125%
HK$31,827
baseline
▲ 0.50% · 4.625%
HK$33,763
+HK$1,936/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,654/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,317
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,211
−HK$907/mo
Today · 4.125%
HK$35,118
baseline
▲ 0.50% · 4.625%
HK$36,969
+HK$1,851/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,236/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,938
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,056
−HK$1,136/mo
Today · 4.125%
HK$38,192
baseline
▲ 0.50% · 4.625%
HK$40,516
+HK$2,324/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,384/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,981
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,053
−HK$1,088/mo
Today · 4.125%
HK$42,141
baseline
▲ 0.50% · 4.625%
HK$44,362
+HK$2,221/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,282/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,928
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,232
−HK$1,325/mo
Today · 4.125%
HK$44,557
baseline
▲ 0.50% · 4.625%
HK$47,268
+HK$2,711/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,114/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,644
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,895
−HK$1,270/mo
Today · 4.125%
HK$49,165
baseline
▲ 0.50% · 4.625%
HK$51,756
+HK$2,591/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,330/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,907
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,584
−HK$1,704/mo
Today · 4.125%
HK$57,288
baseline
▲ 0.50% · 4.625%
HK$60,774
+HK$3,486/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$114,576/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,971
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,580
−HK$1,632/mo
Today · 4.125%
HK$63,212
baseline
▲ 0.50% · 4.625%
HK$66,544
+HK$3,332/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$126,424/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,520 · Scale 2, in force from 26 Feb 2026)