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$29,962
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,894
−HK$947/mo
Today · 4.125%
HK$31,841
baseline
▲ 0.50% · 4.625%
HK$33,778
+HK$1,937/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,682/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,736 · 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$492,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,954
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,072
−HK$1,137/mo
Today · 4.125%
HK$38,209
baseline
▲ 0.50% · 4.625%
HK$40,534
+HK$2,325/mo
Deposit HK$5.26M · loan HK$7.88M · min. income ≈ HK$76,418/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,736 · 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$44,382
+HK$2,223/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$492,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,946
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,251
−HK$1,326/mo
Today · 4.125%
HK$44,577
baseline
▲ 0.50% · 4.625%
HK$47,289
+HK$2,712/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,154/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,736 · 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$51,779
+HK$2,593/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$492,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,931
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,609
−HK$1,704/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$492,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,998
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,607
−HK$1,632/mo
Today · 4.125%
HK$63,239
baseline
▲ 0.50% · 4.625%
HK$66,573
+HK$3,334/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$492,736 · Scale 2, in force from 26 Feb 2026)