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$29,983
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,916
−HK$947/mo
Today · 4.125%
HK$31,863
baseline
▲ 0.50% · 4.625%
HK$33,802
+HK$1,939/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,726/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,356
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,250
−HK$908/mo
Today · 4.125%
HK$35,158
baseline
▲ 0.50% · 4.625%
HK$37,011
+HK$1,853/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,316/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,980
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,099
−HK$1,137/mo
Today · 4.125%
HK$38,236
baseline
▲ 0.50% · 4.625%
HK$40,562
+HK$2,326/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,472/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,027
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,100
−HK$1,090/mo
Today · 4.125%
HK$42,190
baseline
▲ 0.50% · 4.625%
HK$44,413
+HK$2,223/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,380/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,976
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,282
−HK$1,327/mo
Today · 4.125%
HK$44,609
baseline
▲ 0.50% · 4.625%
HK$47,323
+HK$2,714/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,218/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,698
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,951
−HK$1,270/mo
Today · 4.125%
HK$49,221
baseline
▲ 0.50% · 4.625%
HK$51,816
+HK$2,595/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,442/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,969
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,648
−HK$1,706/mo
Today · 4.125%
HK$57,354
baseline
▲ 0.50% · 4.625%
HK$60,844
+HK$3,490/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,708/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,040
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,651
−HK$1,633/mo
Today · 4.125%
HK$63,284
baseline
▲ 0.50% · 4.625%
HK$66,620
+HK$3,336/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,568/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,087 · Scale 2, in force from 26 Feb 2026)