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$29,973
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,905
−HK$948/mo
Today · 4.125%
HK$31,853
baseline
▲ 0.50% · 4.625%
HK$33,791
+HK$1,938/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,706/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$492,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,345
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,239
−HK$907/mo
Today · 4.125%
HK$35,146
baseline
▲ 0.50% · 4.625%
HK$36,999
+HK$1,853/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,292/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$492,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,968
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,086
−HK$1,137/mo
Today · 4.125%
HK$38,223
baseline
▲ 0.50% · 4.625%
HK$40,549
+HK$2,326/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,446/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,014
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,087
−HK$1,088/mo
Today · 4.125%
HK$42,175
baseline
▲ 0.50% · 4.625%
HK$44,399
+HK$2,224/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,350/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,962
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,267
−HK$1,327/mo
Today · 4.125%
HK$44,594
baseline
▲ 0.50% · 4.625%
HK$47,307
+HK$2,713/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,188/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,683
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,935
−HK$1,270/mo
Today · 4.125%
HK$49,205
baseline
▲ 0.50% · 4.625%
HK$51,798
+HK$2,593/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,410/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,951
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,630
−HK$1,705/mo
Today · 4.125%
HK$57,335
baseline
▲ 0.50% · 4.625%
HK$60,823
+HK$3,488/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,670/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,020
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,630
−HK$1,633/mo
Today · 4.125%
HK$63,263
baseline
▲ 0.50% · 4.625%
HK$66,598
+HK$3,335/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,526/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,922 · Scale 2, in force from 26 Feb 2026)