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$29,976
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,908
−HK$947/mo
Today · 4.125%
HK$31,855
baseline
▲ 0.50% · 4.625%
HK$33,794
+HK$1,939/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,710/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$492,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,348
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,242
−HK$907/mo
Today · 4.125%
HK$35,149
baseline
▲ 0.50% · 4.625%
HK$37,002
+HK$1,853/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,298/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$492,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,971
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,090
−HK$1,136/mo
Today · 4.125%
HK$38,226
baseline
▲ 0.50% · 4.625%
HK$40,552
+HK$2,326/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,452/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,017
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,090
−HK$1,089/mo
Today · 4.125%
HK$42,179
baseline
▲ 0.50% · 4.625%
HK$44,402
+HK$2,223/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,358/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,966
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,271
−HK$1,327/mo
Today · 4.125%
HK$44,598
baseline
▲ 0.50% · 4.625%
HK$47,311
+HK$2,713/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,196/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,687
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,939
−HK$1,270/mo
Today · 4.125%
HK$49,209
baseline
▲ 0.50% · 4.625%
HK$51,803
+HK$2,594/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,418/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,956
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,635
−HK$1,705/mo
Today · 4.125%
HK$57,340
baseline
▲ 0.50% · 4.625%
HK$60,829
+HK$3,489/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,680/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,026
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,636
−HK$1,633/mo
Today · 4.125%
HK$63,269
baseline
▲ 0.50% · 4.625%
HK$66,604
+HK$3,335/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,538/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,966 · Scale 2, in force from 26 Feb 2026)