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$29,950
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,881
−HK$947/mo
Today · 4.125%
HK$31,828
baseline
▲ 0.50% · 4.625%
HK$33,764
+HK$1,936/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,656/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,319
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,212
−HK$907/mo
Today · 4.125%
HK$35,119
baseline
▲ 0.50% · 4.625%
HK$36,970
+HK$1,851/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,238/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,940
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,058
−HK$1,135/mo
Today · 4.125%
HK$38,193
baseline
▲ 0.50% · 4.625%
HK$40,517
+HK$2,324/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,386/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,982
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,055
−HK$1,088/mo
Today · 4.125%
HK$42,143
baseline
▲ 0.50% · 4.625%
HK$44,364
+HK$2,221/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,286/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,930
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,234
−HK$1,325/mo
Today · 4.125%
HK$44,559
baseline
▲ 0.50% · 4.625%
HK$47,270
+HK$2,711/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,118/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,646
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,897
−HK$1,269/mo
Today · 4.125%
HK$49,166
baseline
▲ 0.50% · 4.625%
HK$51,758
+HK$2,592/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,332/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,909
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,586
−HK$1,704/mo
Today · 4.125%
HK$57,290
baseline
▲ 0.50% · 4.625%
HK$60,776
+HK$3,486/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$114,580/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,974
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,582
−HK$1,632/mo
Today · 4.125%
HK$63,214
baseline
▲ 0.50% · 4.625%
HK$66,546
+HK$3,332/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$126,428/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,538 · Scale 2, in force from 26 Feb 2026)