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$29,986
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,919
−HK$948/mo
Today · 4.125%
HK$31,867
baseline
▲ 0.50% · 4.625%
HK$33,806
+HK$1,939/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,734/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,359
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,254
−HK$908/mo
Today · 4.125%
HK$35,162
baseline
▲ 0.50% · 4.625%
HK$37,015
+HK$1,853/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,324/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,984
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,103
−HK$1,137/mo
Today · 4.125%
HK$38,240
baseline
▲ 0.50% · 4.625%
HK$40,567
+HK$2,327/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,480/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,031
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,105
−HK$1,089/mo
Today · 4.125%
HK$42,194
baseline
▲ 0.50% · 4.625%
HK$44,418
+HK$2,224/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,388/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,981
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,287
−HK$1,326/mo
Today · 4.125%
HK$44,613
baseline
▲ 0.50% · 4.625%
HK$47,328
+HK$2,715/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,226/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,703
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,956
−HK$1,270/mo
Today · 4.125%
HK$49,226
baseline
▲ 0.50% · 4.625%
HK$51,821
+HK$2,595/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,452/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,975
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,654
−HK$1,706/mo
Today · 4.125%
HK$57,360
baseline
▲ 0.50% · 4.625%
HK$60,850
+HK$3,490/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,720/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,047
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,657
−HK$1,634/mo
Today · 4.125%
HK$63,291
baseline
▲ 0.50% · 4.625%
HK$66,627
+HK$3,336/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,582/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,140 · Scale 2, in force from 26 Feb 2026)