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$29,953
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,884
−HK$947/mo
Today · 4.125%
HK$31,831
baseline
▲ 0.50% · 4.625%
HK$33,768
+HK$1,937/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,662/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,322
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,216
−HK$906/mo
Today · 4.125%
HK$35,122
baseline
▲ 0.50% · 4.625%
HK$36,974
+HK$1,852/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,244/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,943
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,061
−HK$1,136/mo
Today · 4.125%
HK$38,197
baseline
▲ 0.50% · 4.625%
HK$40,521
+HK$2,324/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,394/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,986
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,059
−HK$1,088/mo
Today · 4.125%
HK$42,147
baseline
▲ 0.50% · 4.625%
HK$44,368
+HK$2,221/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,294/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,934
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,238
−HK$1,325/mo
Today · 4.125%
HK$44,563
baseline
▲ 0.50% · 4.625%
HK$47,275
+HK$2,712/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,126/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,651
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,902
−HK$1,269/mo
Today · 4.125%
HK$49,171
baseline
▲ 0.50% · 4.625%
HK$51,763
+HK$2,592/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,342/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,915
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,592
−HK$1,704/mo
Today · 4.125%
HK$57,296
baseline
▲ 0.50% · 4.625%
HK$60,782
+HK$3,486/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$114,592/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,980
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,588
−HK$1,632/mo
Today · 4.125%
HK$63,220
baseline
▲ 0.50% · 4.625%
HK$66,553
+HK$3,333/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$126,440/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,588 · Scale 2, in force from 26 Feb 2026)