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$29,946
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,877
−HK$947/mo
Today · 4.125%
HK$31,824
baseline
▲ 0.50% · 4.625%
HK$33,760
+HK$1,936/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,648/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,314
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,208
−HK$906/mo
Today · 4.125%
HK$35,114
baseline
▲ 0.50% · 4.625%
HK$36,965
+HK$1,851/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,228/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,935
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,053
−HK$1,135/mo
Today · 4.125%
HK$38,188
baseline
▲ 0.50% · 4.625%
HK$40,512
+HK$2,324/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,376/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,977
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,049
−HK$1,088/mo
Today · 4.125%
HK$42,137
baseline
▲ 0.50% · 4.625%
HK$44,358
+HK$2,221/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,274/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,924
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,228
−HK$1,325/mo
Today · 4.125%
HK$44,553
baseline
▲ 0.50% · 4.625%
HK$47,264
+HK$2,711/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,106/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,640
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,891
−HK$1,269/mo
Today · 4.125%
HK$49,160
baseline
▲ 0.50% · 4.625%
HK$51,751
+HK$2,591/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,320/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,902
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,579
−HK$1,704/mo
Today · 4.125%
HK$57,283
baseline
▲ 0.50% · 4.625%
HK$60,768
+HK$3,485/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$114,566/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,966
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,574
−HK$1,632/mo
Today · 4.125%
HK$63,206
baseline
▲ 0.50% · 4.625%
HK$66,537
+HK$3,331/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$126,412/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,475 · Scale 2, in force from 26 Feb 2026)