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$29,999
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,932
−HK$948/mo
Today · 4.125%
HK$31,880
baseline
▲ 0.50% · 4.625%
HK$33,820
+HK$1,940/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,760/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,373
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,268
−HK$908/mo
Today · 4.125%
HK$35,176
baseline
▲ 0.50% · 4.625%
HK$37,030
+HK$1,854/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,352/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,998
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,118
−HK$1,138/mo
Today · 4.125%
HK$38,256
baseline
▲ 0.50% · 4.625%
HK$40,583
+HK$2,327/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,512/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,048
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,122
−HK$1,089/mo
Today · 4.125%
HK$42,211
baseline
▲ 0.50% · 4.625%
HK$44,436
+HK$2,225/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,422/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,998
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,304
−HK$1,328/mo
Today · 4.125%
HK$44,632
baseline
▲ 0.50% · 4.625%
HK$47,347
+HK$2,715/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,264/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,722
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,975
−HK$1,272/mo
Today · 4.125%
HK$49,247
baseline
▲ 0.50% · 4.625%
HK$51,842
+HK$2,595/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,494/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,997
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,677
−HK$1,707/mo
Today · 4.125%
HK$57,384
baseline
▲ 0.50% · 4.625%
HK$60,875
+HK$3,491/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,768/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,072
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,683
−HK$1,634/mo
Today · 4.125%
HK$63,317
baseline
▲ 0.50% · 4.625%
HK$66,655
+HK$3,338/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,634/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,342 · Scale 2, in force from 26 Feb 2026)