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$29,959
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,891
−HK$947/mo
Today · 4.125%
HK$31,838
baseline
▲ 0.50% · 4.625%
HK$33,775
+HK$1,937/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,676/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,329
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,223
−HK$907/mo
Today · 4.125%
HK$35,130
baseline
▲ 0.50% · 4.625%
HK$36,982
+HK$1,852/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,260/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,951
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,069
−HK$1,136/mo
Today · 4.125%
HK$38,205
baseline
▲ 0.50% · 4.625%
HK$40,530
+HK$2,325/mo
Deposit HK$5.26M · loan HK$7.88M · min. income ≈ HK$76,410/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,995
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,068
−HK$1,088/mo
Today · 4.125%
HK$42,156
baseline
▲ 0.50% · 4.625%
HK$44,378
+HK$2,222/mo
Deposit HK$5.26M · loan HK$7.88M · min. income ≈ HK$84,312/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,943
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,247
−HK$1,326/mo
Today · 4.125%
HK$44,573
baseline
▲ 0.50% · 4.625%
HK$47,285
+HK$2,712/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,146/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,661
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,912
−HK$1,270/mo
Today · 4.125%
HK$49,182
baseline
▲ 0.50% · 4.625%
HK$51,774
+HK$2,592/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,364/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,926
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,604
−HK$1,704/mo
Today · 4.125%
HK$57,308
baseline
▲ 0.50% · 4.625%
HK$60,795
+HK$3,487/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$114,616/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,992
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,601
−HK$1,633/mo
Today · 4.125%
HK$63,234
baseline
▲ 0.50% · 4.625%
HK$66,567
+HK$3,333/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$126,468/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,692 · Scale 2, in force from 26 Feb 2026)