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$29,940
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,871
−HK$946/mo
Today · 4.125%
HK$31,817
baseline
▲ 0.50% · 4.625%
HK$33,753
+HK$1,936/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,634/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,308
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,201
−HK$906/mo
Today · 4.125%
HK$35,107
baseline
▲ 0.50% · 4.625%
HK$36,958
+HK$1,851/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,214/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,928
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,045
−HK$1,136/mo
Today · 4.125%
HK$38,181
baseline
▲ 0.50% · 4.625%
HK$40,504
+HK$2,323/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,362/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,969
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,041
−HK$1,088/mo
Today · 4.125%
HK$42,129
baseline
▲ 0.50% · 4.625%
HK$44,349
+HK$2,220/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,258/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,916
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,220
−HK$1,324/mo
Today · 4.125%
HK$44,544
baseline
▲ 0.50% · 4.625%
HK$47,255
+HK$2,711/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,088/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,631
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,882
−HK$1,268/mo
Today · 4.125%
HK$49,150
baseline
▲ 0.50% · 4.625%
HK$51,741
+HK$2,591/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,300/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,892
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,568
−HK$1,703/mo
Today · 4.125%
HK$57,271
baseline
▲ 0.50% · 4.625%
HK$60,756
+HK$3,485/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$114,542/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,954
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,562
−HK$1,631/mo
Today · 4.125%
HK$63,193
baseline
▲ 0.50% · 4.625%
HK$66,524
+HK$3,331/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$126,386/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,377 · Scale 2, in force from 26 Feb 2026)