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$29,982
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,915
−HK$948/mo
Today · 4.125%
HK$31,863
baseline
▲ 0.50% · 4.625%
HK$33,801
+HK$1,938/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$493,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,355
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,250
−HK$907/mo
Today · 4.125%
HK$35,157
baseline
▲ 0.50% · 4.625%
HK$37,010
+HK$1,853/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,314/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,979
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,098
−HK$1,137/mo
Today · 4.125%
HK$38,235
baseline
▲ 0.50% · 4.625%
HK$40,562
+HK$2,327/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,470/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,026
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,100
−HK$1,089/mo
Today · 4.125%
HK$42,189
baseline
▲ 0.50% · 4.625%
HK$44,412
+HK$2,223/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,378/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,975
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,281
−HK$1,327/mo
Today · 4.125%
HK$44,608
baseline
▲ 0.50% · 4.625%
HK$47,322
+HK$2,714/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,216/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,697
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,950
−HK$1,270/mo
Today · 4.125%
HK$49,220
baseline
▲ 0.50% · 4.625%
HK$51,815
+HK$2,595/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,440/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,968
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,647
−HK$1,706/mo
Today · 4.125%
HK$57,353
baseline
▲ 0.50% · 4.625%
HK$60,842
+HK$3,489/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,706/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,039
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,649
−HK$1,634/mo
Today · 4.125%
HK$63,283
baseline
▲ 0.50% · 4.625%
HK$66,619
+HK$3,336/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,566/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,077 · Scale 2, in force from 26 Feb 2026)