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$29,977
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,909
−HK$948/mo
Today · 4.125%
HK$31,857
baseline
▲ 0.50% · 4.625%
HK$33,795
+HK$1,938/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,714/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$492,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,349
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,244
−HK$907/mo
Today · 4.125%
HK$35,151
baseline
▲ 0.50% · 4.625%
HK$37,004
+HK$1,853/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,302/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$492,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,972
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,091
−HK$1,137/mo
Today · 4.125%
HK$38,228
baseline
▲ 0.50% · 4.625%
HK$40,554
+HK$2,326/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,456/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,019
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,092
−HK$1,089/mo
Today · 4.125%
HK$42,181
baseline
▲ 0.50% · 4.625%
HK$44,404
+HK$2,223/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,362/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,968
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,273
−HK$1,327/mo
Today · 4.125%
HK$44,600
baseline
▲ 0.50% · 4.625%
HK$47,313
+HK$2,713/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,200/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,689
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,941
−HK$1,270/mo
Today · 4.125%
HK$49,211
baseline
▲ 0.50% · 4.625%
HK$51,805
+HK$2,594/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,422/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,959
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,637
−HK$1,705/mo
Today · 4.125%
HK$57,342
baseline
▲ 0.50% · 4.625%
HK$60,831
+HK$3,489/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,684/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,028
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,638
−HK$1,634/mo
Today · 4.125%
HK$63,272
baseline
▲ 0.50% · 4.625%
HK$66,607
+HK$3,335/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,544/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,988 · Scale 2, in force from 26 Feb 2026)