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$29,991
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,924
−HK$948/mo
Today · 4.125%
HK$31,872
baseline
▲ 0.50% · 4.625%
HK$33,811
+HK$1,939/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,744/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,365
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,260
−HK$907/mo
Today · 4.125%
HK$35,167
baseline
▲ 0.50% · 4.625%
HK$37,021
+HK$1,854/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,334/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,989
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,109
−HK$1,137/mo
Today · 4.125%
HK$38,246
baseline
▲ 0.50% · 4.625%
HK$40,573
+HK$2,327/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,492/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,038
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,112
−HK$1,089/mo
Today · 4.125%
HK$42,201
baseline
▲ 0.50% · 4.625%
HK$44,425
+HK$2,224/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,402/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,988
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,294
−HK$1,327/mo
Today · 4.125%
HK$44,621
baseline
▲ 0.50% · 4.625%
HK$47,336
+HK$2,715/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,242/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,711
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,964
−HK$1,270/mo
Today · 4.125%
HK$49,234
baseline
▲ 0.50% · 4.625%
HK$51,830
+HK$2,596/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,468/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,984
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,663
−HK$1,706/mo
Today · 4.125%
HK$57,369
baseline
▲ 0.50% · 4.625%
HK$60,860
+HK$3,491/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,738/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,057
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,667
−HK$1,634/mo
Today · 4.125%
HK$63,301
baseline
▲ 0.50% · 4.625%
HK$66,638
+HK$3,337/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,602/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,221 · Scale 2, in force from 26 Feb 2026)