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$29,945
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,876
−HK$946/mo
Today · 4.125%
HK$31,822
baseline
▲ 0.50% · 4.625%
HK$33,759
+HK$1,937/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,644/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,313
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,207
−HK$906/mo
Today · 4.125%
HK$35,113
baseline
▲ 0.50% · 4.625%
HK$36,964
+HK$1,851/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,226/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,934
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,051
−HK$1,136/mo
Today · 4.125%
HK$38,187
baseline
▲ 0.50% · 4.625%
HK$40,511
+HK$2,324/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,374/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,976
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,048
−HK$1,088/mo
Today · 4.125%
HK$42,136
baseline
▲ 0.50% · 4.625%
HK$44,357
+HK$2,221/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,272/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,923
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,227
−HK$1,324/mo
Today · 4.125%
HK$44,551
baseline
▲ 0.50% · 4.625%
HK$47,262
+HK$2,711/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,102/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,638
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,889
−HK$1,269/mo
Today · 4.125%
HK$49,158
baseline
▲ 0.50% · 4.625%
HK$51,749
+HK$2,591/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,316/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,900
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,577
−HK$1,703/mo
Today · 4.125%
HK$57,280
baseline
▲ 0.50% · 4.625%
HK$60,766
+HK$3,486/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$114,560/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,964
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,572
−HK$1,631/mo
Today · 4.125%
HK$63,203
baseline
▲ 0.50% · 4.625%
HK$66,535
+HK$3,332/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$126,406/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,456 · Scale 2, in force from 26 Feb 2026)