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$29,995
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,928
−HK$948/mo
Today · 4.125%
HK$31,876
baseline
▲ 0.50% · 4.625%
HK$33,815
+HK$1,939/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,752/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,369
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,264
−HK$908/mo
Today · 4.125%
HK$35,172
baseline
▲ 0.50% · 4.625%
HK$37,026
+HK$1,854/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,344/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,994
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,113
−HK$1,138/mo
Today · 4.125%
HK$38,251
baseline
▲ 0.50% · 4.625%
HK$40,578
+HK$2,327/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,502/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,043
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,117
−HK$1,089/mo
Today · 4.125%
HK$42,206
baseline
▲ 0.50% · 4.625%
HK$44,431
+HK$2,225/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,412/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,993
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,299
−HK$1,327/mo
Today · 4.125%
HK$44,626
baseline
▲ 0.50% · 4.625%
HK$47,342
+HK$2,716/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,252/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,717
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,970
−HK$1,271/mo
Today · 4.125%
HK$49,241
baseline
▲ 0.50% · 4.625%
HK$51,836
+HK$2,595/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,482/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,991
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,670
−HK$1,706/mo
Today · 4.125%
HK$57,376
baseline
▲ 0.50% · 4.625%
HK$60,868
+HK$3,492/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,752/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,064
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,675
−HK$1,634/mo
Today · 4.125%
HK$63,309
baseline
▲ 0.50% · 4.625%
HK$66,646
+HK$3,337/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,618/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,282 · Scale 2, in force from 26 Feb 2026)