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$29,957
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,889
−HK$946/mo
Today · 4.125%
HK$31,835
baseline
▲ 0.50% · 4.625%
HK$33,772
+HK$1,937/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,670/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,327
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,220
−HK$907/mo
Today · 4.125%
HK$35,127
baseline
▲ 0.50% · 4.625%
HK$36,979
+HK$1,852/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,254/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,948
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,066
−HK$1,136/mo
Today · 4.125%
HK$38,202
baseline
▲ 0.50% · 4.625%
HK$40,527
+HK$2,325/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,404/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,992
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,065
−HK$1,088/mo
Today · 4.125%
HK$42,153
baseline
▲ 0.50% · 4.625%
HK$44,375
+HK$2,222/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,306/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,940
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,244
−HK$1,325/mo
Today · 4.125%
HK$44,569
baseline
▲ 0.50% · 4.625%
HK$47,281
+HK$2,712/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,138/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,657
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,909
−HK$1,269/mo
Today · 4.125%
HK$49,178
baseline
▲ 0.50% · 4.625%
HK$51,770
+HK$2,592/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,356/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,922
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,600
−HK$1,704/mo
Today · 4.125%
HK$57,304
baseline
▲ 0.50% · 4.625%
HK$60,790
+HK$3,486/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$114,608/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,988
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,597
−HK$1,632/mo
Today · 4.125%
HK$63,229
baseline
▲ 0.50% · 4.625%
HK$66,562
+HK$3,333/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$126,458/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,656 · Scale 2, in force from 26 Feb 2026)