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$29,942
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,874
−HK$946/mo
Today · 4.125%
HK$31,820
baseline
▲ 0.50% · 4.625%
HK$33,756
+HK$1,936/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,640/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,311
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,204
−HK$906/mo
Today · 4.125%
HK$35,110
baseline
▲ 0.50% · 4.625%
HK$36,961
+HK$1,851/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,220/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,931
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,049
−HK$1,135/mo
Today · 4.125%
HK$38,184
baseline
▲ 0.50% · 4.625%
HK$40,507
+HK$2,323/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,368/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,973
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,045
−HK$1,087/mo
Today · 4.125%
HK$42,132
baseline
▲ 0.50% · 4.625%
HK$44,353
+HK$2,221/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,264/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,919
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,223
−HK$1,325/mo
Today · 4.125%
HK$44,548
baseline
▲ 0.50% · 4.625%
HK$47,259
+HK$2,711/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,096/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,635
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,886
−HK$1,268/mo
Today · 4.125%
HK$49,154
baseline
▲ 0.50% · 4.625%
HK$51,745
+HK$2,591/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,308/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,896
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,573
−HK$1,703/mo
Today · 4.125%
HK$57,276
baseline
▲ 0.50% · 4.625%
HK$60,761
+HK$3,485/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$114,552/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,959
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,567
−HK$1,631/mo
Today · 4.125%
HK$63,198
baseline
▲ 0.50% · 4.625%
HK$66,530
+HK$3,332/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$126,396/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,419 · Scale 2, in force from 26 Feb 2026)