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$29,948
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,880
−HK$946/mo
Today · 4.125%
HK$31,826
baseline
▲ 0.50% · 4.625%
HK$33,763
+HK$1,937/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,652/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,317
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,211
−HK$906/mo
Today · 4.125%
HK$35,117
baseline
▲ 0.50% · 4.625%
HK$36,968
+HK$1,851/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,234/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,938
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,056
−HK$1,135/mo
Today · 4.125%
HK$38,191
baseline
▲ 0.50% · 4.625%
HK$40,515
+HK$2,324/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,382/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,980
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,053
−HK$1,087/mo
Today · 4.125%
HK$42,140
baseline
▲ 0.50% · 4.625%
HK$44,362
+HK$2,222/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,280/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,927
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,232
−HK$1,325/mo
Today · 4.125%
HK$44,557
baseline
▲ 0.50% · 4.625%
HK$47,268
+HK$2,711/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,114/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,644
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,895
−HK$1,269/mo
Today · 4.125%
HK$49,164
baseline
▲ 0.50% · 4.625%
HK$51,755
+HK$2,591/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,328/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,907
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,583
−HK$1,704/mo
Today · 4.125%
HK$57,287
baseline
▲ 0.50% · 4.625%
HK$60,773
+HK$3,486/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$114,574/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,971
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,579
−HK$1,632/mo
Today · 4.125%
HK$63,211
baseline
▲ 0.50% · 4.625%
HK$66,542
+HK$3,331/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$126,422/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,513 · Scale 2, in force from 26 Feb 2026)