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$29,943
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,875
−HK$946/mo
Today · 4.125%
HK$31,821
baseline
▲ 0.50% · 4.625%
HK$33,757
+HK$1,936/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,642/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,312
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,205
−HK$906/mo
Today · 4.125%
HK$35,111
baseline
▲ 0.50% · 4.625%
HK$36,962
+HK$1,851/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,222/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,932
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,050
−HK$1,135/mo
Today · 4.125%
HK$38,185
baseline
▲ 0.50% · 4.625%
HK$40,509
+HK$2,324/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,370/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,974
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,046
−HK$1,088/mo
Today · 4.125%
HK$42,134
baseline
▲ 0.50% · 4.625%
HK$44,355
+HK$2,221/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,268/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,921
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,225
−HK$1,324/mo
Today · 4.125%
HK$44,549
baseline
▲ 0.50% · 4.625%
HK$47,260
+HK$2,711/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,098/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,636
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,887
−HK$1,269/mo
Today · 4.125%
HK$49,156
baseline
▲ 0.50% · 4.625%
HK$51,747
+HK$2,591/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,312/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,898
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,575
−HK$1,703/mo
Today · 4.125%
HK$57,278
baseline
▲ 0.50% · 4.625%
HK$60,763
+HK$3,485/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$114,556/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,961
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,569
−HK$1,632/mo
Today · 4.125%
HK$63,201
baseline
▲ 0.50% · 4.625%
HK$66,532
+HK$3,331/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$126,402/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,435 · Scale 2, in force from 26 Feb 2026)