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$29,971
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,903
−HK$947/mo
Today · 4.125%
HK$31,850
baseline
▲ 0.50% · 4.625%
HK$33,788
+HK$1,938/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,700/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,342
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,237
−HK$907/mo
Today · 4.125%
HK$35,144
baseline
▲ 0.50% · 4.625%
HK$36,996
+HK$1,852/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,288/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,965
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,084
−HK$1,136/mo
Today · 4.125%
HK$38,220
baseline
▲ 0.50% · 4.625%
HK$40,546
+HK$2,326/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,440/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,011
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,084
−HK$1,088/mo
Today · 4.125%
HK$42,172
baseline
▲ 0.50% · 4.625%
HK$44,395
+HK$2,223/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,344/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,959
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,264
−HK$1,326/mo
Today · 4.125%
HK$44,590
baseline
▲ 0.50% · 4.625%
HK$47,304
+HK$2,714/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,180/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,679
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,931
−HK$1,270/mo
Today · 4.125%
HK$49,201
baseline
▲ 0.50% · 4.625%
HK$51,795
+HK$2,594/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,402/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,948
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,626
−HK$1,705/mo
Today · 4.125%
HK$57,331
baseline
▲ 0.50% · 4.625%
HK$60,819
+HK$3,488/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,662/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,016
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,626
−HK$1,633/mo
Today · 4.125%
HK$63,259
baseline
▲ 0.50% · 4.625%
HK$66,593
+HK$3,334/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,518/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,887 · Scale 2, in force from 26 Feb 2026)