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$29,963
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,895
−HK$947/mo
Today · 4.125%
HK$31,842
baseline
▲ 0.50% · 4.625%
HK$33,780
+HK$1,938/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,684/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,334
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,228
−HK$907/mo
Today · 4.125%
HK$35,135
baseline
▲ 0.50% · 4.625%
HK$36,987
+HK$1,852/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,270/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,956
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,074
−HK$1,136/mo
Today · 4.125%
HK$38,210
baseline
▲ 0.50% · 4.625%
HK$40,536
+HK$2,326/mo
Deposit HK$5.26M · loan HK$7.88M · min. income ≈ HK$76,420/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,000
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,073
−HK$1,089/mo
Today · 4.125%
HK$42,162
baseline
▲ 0.50% · 4.625%
HK$44,384
+HK$2,222/mo
Deposit HK$5.26M · loan HK$7.88M · min. income ≈ HK$84,324/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,948
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,253
−HK$1,326/mo
Today · 4.125%
HK$44,579
baseline
▲ 0.50% · 4.625%
HK$47,291
+HK$2,712/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,158/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,667
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,919
−HK$1,269/mo
Today · 4.125%
HK$49,188
baseline
▲ 0.50% · 4.625%
HK$51,781
+HK$2,593/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,376/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,934
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,611
−HK$1,705/mo
Today · 4.125%
HK$57,316
baseline
▲ 0.50% · 4.625%
HK$60,803
+HK$3,487/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,632/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,001
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,610
−HK$1,632/mo
Today · 4.125%
HK$63,242
baseline
▲ 0.50% · 4.625%
HK$66,576
+HK$3,334/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,484/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,760 · Scale 2, in force from 26 Feb 2026)