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$29,974
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,907
−HK$947/mo
Today · 4.125%
HK$31,854
baseline
▲ 0.50% · 4.625%
HK$33,792
+HK$1,938/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,708/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$492,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,346
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,240
−HK$908/mo
Today · 4.125%
HK$35,148
baseline
▲ 0.50% · 4.625%
HK$37,000
+HK$1,852/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,296/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$492,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,969
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,088
−HK$1,137/mo
Today · 4.125%
HK$38,225
baseline
▲ 0.50% · 4.625%
HK$40,551
+HK$2,326/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,450/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,015
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,088
−HK$1,089/mo
Today · 4.125%
HK$42,177
baseline
▲ 0.50% · 4.625%
HK$44,400
+HK$2,223/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,354/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,964
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,269
−HK$1,326/mo
Today · 4.125%
HK$44,595
baseline
▲ 0.50% · 4.625%
HK$47,309
+HK$2,714/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,190/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,684
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,936
−HK$1,271/mo
Today · 4.125%
HK$49,207
baseline
▲ 0.50% · 4.625%
HK$51,800
+HK$2,593/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,414/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,954
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,632
−HK$1,705/mo
Today · 4.125%
HK$57,337
baseline
▲ 0.50% · 4.625%
HK$60,826
+HK$3,489/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,674/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,023
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,633
−HK$1,633/mo
Today · 4.125%
HK$63,266
baseline
▲ 0.50% · 4.625%
HK$66,601
+HK$3,335/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,532/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,942 · Scale 2, in force from 26 Feb 2026)