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$1,880/mo
▼ 0.25% · 3.875%
HK$30,920
−HK$948/mo
Today · 4.125%
HK$31,868
baseline
▲ 0.50% · 4.625%
HK$33,807
+HK$1,939/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,736/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,361
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,256
−HK$907/mo
Today · 4.125%
HK$35,163
baseline
▲ 0.50% · 4.625%
HK$37,017
+HK$1,854/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,326/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,985
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,104
−HK$1,138/mo
Today · 4.125%
HK$38,242
baseline
▲ 0.50% · 4.625%
HK$40,569
+HK$2,327/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,484/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,033
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,107
−HK$1,089/mo
Today · 4.125%
HK$42,196
baseline
▲ 0.50% · 4.625%
HK$44,420
+HK$2,224/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,392/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,983
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,288
−HK$1,327/mo
Today · 4.125%
HK$44,615
baseline
▲ 0.50% · 4.625%
HK$47,330
+HK$2,715/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,230/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,705
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,958
−HK$1,271/mo
Today · 4.125%
HK$49,229
baseline
▲ 0.50% · 4.625%
HK$51,823
+HK$2,594/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,458/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,978
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,657
−HK$1,705/mo
Today · 4.125%
HK$57,362
baseline
▲ 0.50% · 4.625%
HK$60,853
+HK$3,491/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,724/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,050
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,660
−HK$1,634/mo
Today · 4.125%
HK$63,294
baseline
▲ 0.50% · 4.625%
HK$66,630
+HK$3,336/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,588/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,162 · Scale 2, in force from 26 Feb 2026)