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$29,961
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,893
−HK$947/mo
Today · 4.125%
HK$31,840
baseline
▲ 0.50% · 4.625%
HK$33,777
+HK$1,937/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,680/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,331
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,225
−HK$907/mo
Today · 4.125%
HK$35,132
baseline
▲ 0.50% · 4.625%
HK$36,984
+HK$1,852/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,264/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,953
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,071
−HK$1,136/mo
Today · 4.125%
HK$38,207
baseline
▲ 0.50% · 4.625%
HK$40,532
+HK$2,325/mo
Deposit HK$5.26M · loan HK$7.88M · min. income ≈ HK$76,414/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,997
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,070
−HK$1,088/mo
Today · 4.125%
HK$42,158
baseline
▲ 0.50% · 4.625%
HK$44,380
+HK$2,222/mo
Deposit HK$5.26M · loan HK$7.88M · min. income ≈ HK$84,316/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,945
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,250
−HK$1,325/mo
Today · 4.125%
HK$44,575
baseline
▲ 0.50% · 4.625%
HK$47,288
+HK$2,713/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,150/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,663
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,915
−HK$1,269/mo
Today · 4.125%
HK$49,184
baseline
▲ 0.50% · 4.625%
HK$51,777
+HK$2,593/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,368/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,929
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,607
−HK$1,704/mo
Today · 4.125%
HK$57,311
baseline
▲ 0.50% · 4.625%
HK$60,798
+HK$3,487/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,622/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,996
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,605
−HK$1,632/mo
Today · 4.125%
HK$63,237
baseline
▲ 0.50% · 4.625%
HK$66,571
+HK$3,334/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,474/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,720 · Scale 2, in force from 26 Feb 2026)