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$29,976
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,909
−HK$947/mo
Today · 4.125%
HK$31,856
baseline
▲ 0.50% · 4.625%
HK$33,795
+HK$1,939/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,712/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$492,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,348
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,243
−HK$907/mo
Today · 4.125%
HK$35,150
baseline
▲ 0.50% · 4.625%
HK$37,003
+HK$1,853/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,300/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$492,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,972
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,091
−HK$1,136/mo
Today · 4.125%
HK$38,227
baseline
▲ 0.50% · 4.625%
HK$40,554
+HK$2,327/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,454/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,018
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,091
−HK$1,089/mo
Today · 4.125%
HK$42,180
baseline
▲ 0.50% · 4.625%
HK$44,404
+HK$2,224/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,360/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,967
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,272
−HK$1,327/mo
Today · 4.125%
HK$44,599
baseline
▲ 0.50% · 4.625%
HK$47,312
+HK$2,713/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,198/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,688
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,940
−HK$1,270/mo
Today · 4.125%
HK$49,210
baseline
▲ 0.50% · 4.625%
HK$51,804
+HK$2,594/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,420/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,958
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,636
−HK$1,705/mo
Today · 4.125%
HK$57,341
baseline
▲ 0.50% · 4.625%
HK$60,830
+HK$3,489/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,682/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,027
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,637
−HK$1,633/mo
Today · 4.125%
HK$63,270
baseline
▲ 0.50% · 4.625%
HK$66,605
+HK$3,335/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,540/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,978 · Scale 2, in force from 26 Feb 2026)