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$29,992
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,925
−HK$948/mo
Today · 4.125%
HK$31,873
baseline
▲ 0.50% · 4.625%
HK$33,812
+HK$1,939/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,746/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,366
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,261
−HK$908/mo
Today · 4.125%
HK$35,169
baseline
▲ 0.50% · 4.625%
HK$37,022
+HK$1,853/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,338/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,991
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,110
−HK$1,138/mo
Today · 4.125%
HK$38,248
baseline
▲ 0.50% · 4.625%
HK$40,575
+HK$2,327/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,496/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,039
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,113
−HK$1,089/mo
Today · 4.125%
HK$42,202
baseline
▲ 0.50% · 4.625%
HK$44,427
+HK$2,225/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,404/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,989
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,295
−HK$1,327/mo
Today · 4.125%
HK$44,622
baseline
▲ 0.50% · 4.625%
HK$47,337
+HK$2,715/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,244/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,712
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,965
−HK$1,271/mo
Today · 4.125%
HK$49,236
baseline
▲ 0.50% · 4.625%
HK$51,831
+HK$2,595/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,472/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,986
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,665
−HK$1,706/mo
Today · 4.125%
HK$57,371
baseline
▲ 0.50% · 4.625%
HK$60,862
+HK$3,491/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,742/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,059
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,670
−HK$1,634/mo
Today · 4.125%
HK$63,304
baseline
▲ 0.50% · 4.625%
HK$66,640
+HK$3,336/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,608/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,237 · Scale 2, in force from 26 Feb 2026)