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$29,982
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,915
−HK$947/mo
Today · 4.125%
HK$31,862
baseline
▲ 0.50% · 4.625%
HK$33,801
+HK$1,939/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,724/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,355
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,249
−HK$908/mo
Today · 4.125%
HK$35,157
baseline
▲ 0.50% · 4.625%
HK$37,010
+HK$1,853/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,314/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,979
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,098
−HK$1,137/mo
Today · 4.125%
HK$38,235
baseline
▲ 0.50% · 4.625%
HK$40,561
+HK$2,326/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,470/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,026
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,099
−HK$1,089/mo
Today · 4.125%
HK$42,188
baseline
▲ 0.50% · 4.625%
HK$44,412
+HK$2,224/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,376/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,975
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,281
−HK$1,326/mo
Today · 4.125%
HK$44,607
baseline
▲ 0.50% · 4.625%
HK$47,322
+HK$2,715/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,214/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,697
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,949
−HK$1,271/mo
Today · 4.125%
HK$49,220
baseline
▲ 0.50% · 4.625%
HK$51,814
+HK$2,594/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,440/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,968
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,647
−HK$1,705/mo
Today · 4.125%
HK$57,352
baseline
▲ 0.50% · 4.625%
HK$60,842
+HK$3,490/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,704/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,039
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,649
−HK$1,634/mo
Today · 4.125%
HK$63,283
baseline
▲ 0.50% · 4.625%
HK$66,618
+HK$3,335/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,566/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,074 · Scale 2, in force from 26 Feb 2026)