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$29,955
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,887
−HK$947/mo
Today · 4.125%
HK$31,834
baseline
▲ 0.50% · 4.625%
HK$33,771
+HK$1,937/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,668/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,325
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,219
−HK$906/mo
Today · 4.125%
HK$35,125
baseline
▲ 0.50% · 4.625%
HK$36,977
+HK$1,852/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,250/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,946
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,064
−HK$1,136/mo
Today · 4.125%
HK$38,200
baseline
▲ 0.50% · 4.625%
HK$40,525
+HK$2,325/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,400/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,990
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,062
−HK$1,088/mo
Today · 4.125%
HK$42,150
baseline
▲ 0.50% · 4.625%
HK$44,372
+HK$2,222/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,300/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,937
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,242
−HK$1,325/mo
Today · 4.125%
HK$44,567
baseline
▲ 0.50% · 4.625%
HK$47,279
+HK$2,712/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,134/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,655
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,906
−HK$1,269/mo
Today · 4.125%
HK$49,175
baseline
▲ 0.50% · 4.625%
HK$51,767
+HK$2,592/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,350/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,919
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,596
−HK$1,704/mo
Today · 4.125%
HK$57,300
baseline
▲ 0.50% · 4.625%
HK$60,787
+HK$3,487/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$114,600/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,985
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,593
−HK$1,632/mo
Today · 4.125%
HK$63,225
baseline
▲ 0.50% · 4.625%
HK$66,558
+HK$3,333/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$126,450/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,628 · Scale 2, in force from 26 Feb 2026)