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$33,779
+HK$1,938/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$492,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,333
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,227
−HK$907/mo
Today · 4.125%
HK$35,134
baseline
▲ 0.50% · 4.625%
HK$36,986
+HK$1,852/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,268/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,955
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,073
−HK$1,136/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$492,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,999
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,072
−HK$1,088/mo
Today · 4.125%
HK$42,160
baseline
▲ 0.50% · 4.625%
HK$44,383
+HK$2,223/mo
Deposit HK$5.26M · loan HK$7.88M · min. income ≈ HK$84,320/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,947
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,252
−HK$1,326/mo
Today · 4.125%
HK$44,578
baseline
▲ 0.50% · 4.625%
HK$47,290
+HK$2,712/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,156/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,666
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,917
−HK$1,270/mo
Today · 4.125%
HK$49,187
baseline
▲ 0.50% · 4.625%
HK$51,780
+HK$2,593/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,374/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,932
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,610
−HK$1,704/mo
Today · 4.125%
HK$57,314
baseline
▲ 0.50% · 4.625%
HK$60,802
+HK$3,488/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,628/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,999
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,608
−HK$1,633/mo
Today · 4.125%
HK$63,241
baseline
▲ 0.50% · 4.625%
HK$66,574
+HK$3,333/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,482/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,746 · Scale 2, in force from 26 Feb 2026)