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$29,988
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,921
−HK$948/mo
Today · 4.125%
HK$31,869
baseline
▲ 0.50% · 4.625%
HK$33,808
+HK$1,939/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,738/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,362
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,256
−HK$908/mo
Today · 4.125%
HK$35,164
baseline
▲ 0.50% · 4.625%
HK$37,018
+HK$1,854/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,328/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,986
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,105
−HK$1,138/mo
Today · 4.125%
HK$38,243
baseline
▲ 0.50% · 4.625%
HK$40,570
+HK$2,327/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,486/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,034
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,108
−HK$1,089/mo
Today · 4.125%
HK$42,197
baseline
▲ 0.50% · 4.625%
HK$44,421
+HK$2,224/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,394/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,984
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,290
−HK$1,326/mo
Today · 4.125%
HK$44,616
baseline
▲ 0.50% · 4.625%
HK$47,331
+HK$2,715/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,232/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,706
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,959
−HK$1,271/mo
Today · 4.125%
HK$49,230
baseline
▲ 0.50% · 4.625%
HK$51,825
+HK$2,595/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,460/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,979
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,658
−HK$1,706/mo
Today · 4.125%
HK$57,364
baseline
▲ 0.50% · 4.625%
HK$60,854
+HK$3,490/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,728/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,051
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,662
−HK$1,633/mo
Today · 4.125%
HK$63,295
baseline
▲ 0.50% · 4.625%
HK$66,632
+HK$3,337/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,590/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,173 · Scale 2, in force from 26 Feb 2026)