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$29,964
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,896
−HK$947/mo
Today · 4.125%
HK$31,843
baseline
▲ 0.50% · 4.625%
HK$33,781
+HK$1,938/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,686/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,335
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,229
−HK$907/mo
Today · 4.125%
HK$35,136
baseline
▲ 0.50% · 4.625%
HK$36,988
+HK$1,852/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,272/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,957
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,076
−HK$1,136/mo
Today · 4.125%
HK$38,212
baseline
▲ 0.50% · 4.625%
HK$40,537
+HK$2,325/mo
Deposit HK$5.26M · loan HK$7.88M · min. income ≈ HK$76,424/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,002
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,075
−HK$1,088/mo
Today · 4.125%
HK$42,163
baseline
▲ 0.50% · 4.625%
HK$44,386
+HK$2,223/mo
Deposit HK$5.26M · loan HK$7.88M · min. income ≈ HK$84,326/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,950
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,255
−HK$1,326/mo
Today · 4.125%
HK$44,581
baseline
▲ 0.50% · 4.625%
HK$47,293
+HK$2,712/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,162/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,669
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,920
−HK$1,270/mo
Today · 4.125%
HK$49,190
baseline
▲ 0.50% · 4.625%
HK$51,783
+HK$2,593/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,380/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,936
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,613
−HK$1,705/mo
Today · 4.125%
HK$57,318
baseline
▲ 0.50% · 4.625%
HK$60,805
+HK$3,487/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,636/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,003
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,612
−HK$1,633/mo
Today · 4.125%
HK$63,245
baseline
▲ 0.50% · 4.625%
HK$66,578
+HK$3,333/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,490/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,778 · Scale 2, in force from 26 Feb 2026)