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$29,918
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,848
−HK$946/mo
Today · 4.125%
HK$31,794
baseline
▲ 0.50% · 4.625%
HK$33,728
+HK$1,934/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,588/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$492,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,283
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,176
−HK$905/mo
Today · 4.125%
HK$35,081
baseline
▲ 0.50% · 4.625%
HK$36,931
+HK$1,850/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,162/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$492,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,901
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,018
−HK$1,135/mo
Today · 4.125%
HK$38,153
baseline
▲ 0.50% · 4.625%
HK$40,474
+HK$2,321/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,306/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,940
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,011
−HK$1,087/mo
Today · 4.125%
HK$42,098
baseline
▲ 0.50% · 4.625%
HK$44,317
+HK$2,219/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,196/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,885
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,188
−HK$1,323/mo
Today · 4.125%
HK$44,511
baseline
▲ 0.50% · 4.625%
HK$47,220
+HK$2,709/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$89,022/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,596
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,846
−HK$1,268/mo
Today · 4.125%
HK$49,114
baseline
▲ 0.50% · 4.625%
HK$51,703
+HK$2,589/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$98,228/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,852
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,527
−HK$1,702/mo
Today · 4.125%
HK$57,229
baseline
▲ 0.50% · 4.625%
HK$60,711
+HK$3,482/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,458/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,910
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,517
−HK$1,630/mo
Today · 4.125%
HK$63,147
baseline
▲ 0.50% · 4.625%
HK$66,475
+HK$3,328/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,294/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,014 · Scale 2, in force from 26 Feb 2026)