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$29,961
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,893
−HK$947/mo
Today · 4.125%
HK$31,840
baseline
▲ 0.50% · 4.625%
HK$33,778
+HK$1,938/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,680/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,332
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,226
−HK$907/mo
Today · 4.125%
HK$35,133
baseline
▲ 0.50% · 4.625%
HK$36,985
+HK$1,852/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,266/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,954
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,072
−HK$1,136/mo
Today · 4.125%
HK$38,208
baseline
▲ 0.50% · 4.625%
HK$40,533
+HK$2,325/mo
Deposit HK$5.26M · loan HK$7.88M · min. income ≈ HK$76,416/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,998
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,071
−HK$1,088/mo
Today · 4.125%
HK$42,159
baseline
▲ 0.50% · 4.625%
HK$44,381
+HK$2,222/mo
Deposit HK$5.26M · loan HK$7.88M · min. income ≈ HK$84,318/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,946
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,251
−HK$1,325/mo
Today · 4.125%
HK$44,576
baseline
▲ 0.50% · 4.625%
HK$47,289
+HK$2,713/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,152/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,665
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,916
−HK$1,270/mo
Today · 4.125%
HK$49,186
baseline
▲ 0.50% · 4.625%
HK$51,778
+HK$2,592/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,372/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,931
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,608
−HK$1,705/mo
Today · 4.125%
HK$57,313
baseline
▲ 0.50% · 4.625%
HK$60,800
+HK$3,487/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,626/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,997
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,606
−HK$1,633/mo
Today · 4.125%
HK$63,239
baseline
▲ 0.50% · 4.625%
HK$66,572
+HK$3,333/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,478/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,732 · Scale 2, in force from 26 Feb 2026)