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$30,029
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,963
−HK$949/mo
Today · 4.125%
HK$31,912
baseline
▲ 0.50% · 4.625%
HK$33,853
+HK$1,941/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,824/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,407
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,303
−HK$908/mo
Today · 4.125%
HK$35,211
baseline
▲ 0.50% · 4.625%
HK$37,067
+HK$1,856/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,422/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,034
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,155
−HK$1,139/mo
Today · 4.125%
HK$38,294
baseline
▲ 0.50% · 4.625%
HK$40,624
+HK$2,330/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,588/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,088
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,163
−HK$1,091/mo
Today · 4.125%
HK$42,254
baseline
▲ 0.50% · 4.625%
HK$44,481
+HK$2,227/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,508/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,040
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,348
−HK$1,328/mo
Today · 4.125%
HK$44,676
baseline
▲ 0.50% · 4.625%
HK$47,395
+HK$2,719/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,352/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,769
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,024
−HK$1,272/mo
Today · 4.125%
HK$49,296
baseline
▲ 0.50% · 4.625%
HK$51,894
+HK$2,598/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,592/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,052
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,733
−HK$1,708/mo
Today · 4.125%
HK$57,441
baseline
▲ 0.50% · 4.625%
HK$60,936
+HK$3,495/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,882/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,132
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,745
−HK$1,636/mo
Today · 4.125%
HK$63,381
baseline
▲ 0.50% · 4.625%
HK$66,721
+HK$3,340/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,762/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,837 · Scale 2, in force from 26 Feb 2026)