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$29,969
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,901
−HK$947/mo
Today · 4.125%
HK$31,848
baseline
▲ 0.50% · 4.625%
HK$33,786
+HK$1,938/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,696/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,340
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,234
−HK$907/mo
Today · 4.125%
HK$35,141
baseline
▲ 0.50% · 4.625%
HK$36,993
+HK$1,852/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,282/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,962
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,081
−HK$1,136/mo
Today · 4.125%
HK$38,217
baseline
▲ 0.50% · 4.625%
HK$40,543
+HK$2,326/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,434/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,008
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,081
−HK$1,088/mo
Today · 4.125%
HK$42,169
baseline
▲ 0.50% · 4.625%
HK$44,392
+HK$2,223/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,338/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,956
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,261
−HK$1,326/mo
Today · 4.125%
HK$44,587
baseline
▲ 0.50% · 4.625%
HK$47,300
+HK$2,713/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,174/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,676
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,927
−HK$1,270/mo
Today · 4.125%
HK$49,197
baseline
▲ 0.50% · 4.625%
HK$51,791
+HK$2,594/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,394/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,943
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,621
−HK$1,705/mo
Today · 4.125%
HK$57,326
baseline
▲ 0.50% · 4.625%
HK$60,814
+HK$3,488/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,652/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,011
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,621
−HK$1,633/mo
Today · 4.125%
HK$63,254
baseline
▲ 0.50% · 4.625%
HK$66,588
+HK$3,334/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,508/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,849 · Scale 2, in force from 26 Feb 2026)