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$29,979
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,912
−HK$947/mo
Today · 4.125%
HK$31,859
baseline
▲ 0.50% · 4.625%
HK$33,798
+HK$1,939/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,718/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,352
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,246
−HK$908/mo
Today · 4.125%
HK$35,154
baseline
▲ 0.50% · 4.625%
HK$37,007
+HK$1,853/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,308/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,975
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,094
−HK$1,137/mo
Today · 4.125%
HK$38,231
baseline
▲ 0.50% · 4.625%
HK$40,557
+HK$2,326/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,462/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,022
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,095
−HK$1,089/mo
Today · 4.125%
HK$42,184
baseline
▲ 0.50% · 4.625%
HK$44,408
+HK$2,224/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,368/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,971
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,277
−HK$1,326/mo
Today · 4.125%
HK$44,603
baseline
▲ 0.50% · 4.625%
HK$47,317
+HK$2,714/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,206/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,692
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,945
−HK$1,270/mo
Today · 4.125%
HK$49,215
baseline
▲ 0.50% · 4.625%
HK$51,809
+HK$2,594/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,430/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,963
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,641
−HK$1,706/mo
Today · 4.125%
HK$57,347
baseline
▲ 0.50% · 4.625%
HK$60,836
+HK$3,489/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,694/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,033
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,643
−HK$1,633/mo
Today · 4.125%
HK$63,276
baseline
▲ 0.50% · 4.625%
HK$66,612
+HK$3,336/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,552/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,026 · Scale 2, in force from 26 Feb 2026)