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$29,972
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,904
−HK$947/mo
Today · 4.125%
HK$31,851
baseline
▲ 0.50% · 4.625%
HK$33,790
+HK$1,939/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,702/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,344
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,238
−HK$907/mo
Today · 4.125%
HK$35,145
baseline
▲ 0.50% · 4.625%
HK$36,997
+HK$1,852/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,290/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,966
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,085
−HK$1,137/mo
Today · 4.125%
HK$38,222
baseline
▲ 0.50% · 4.625%
HK$40,547
+HK$2,325/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,444/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,012
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,085
−HK$1,089/mo
Today · 4.125%
HK$42,174
baseline
▲ 0.50% · 4.625%
HK$44,397
+HK$2,223/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,348/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,961
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$43,266
−HK$1,326/mo
Today · 4.125%
HK$44,592
baseline
▲ 0.50% · 4.625%
HK$47,305
+HK$2,713/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,184/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,681
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,933
−HK$1,270/mo
Today · 4.125%
HK$49,203
baseline
▲ 0.50% · 4.625%
HK$51,796
+HK$2,593/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,406/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$492,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,950
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,628
−HK$1,705/mo
Today · 4.125%
HK$57,333
baseline
▲ 0.50% · 4.625%
HK$60,821
+HK$3,488/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,666/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,018
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,628
−HK$1,633/mo
Today · 4.125%
HK$63,261
baseline
▲ 0.50% · 4.625%
HK$66,595
+HK$3,334/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,522/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,905 · Scale 2, in force from 26 Feb 2026)