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$30,033
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,967
−HK$950/mo
Today · 4.125%
HK$31,917
baseline
▲ 0.50% · 4.625%
HK$33,859
+HK$1,942/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,834/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,412
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,308
−HK$909/mo
Today · 4.125%
HK$35,217
baseline
▲ 0.50% · 4.625%
HK$37,073
+HK$1,856/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,434/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,040
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,161
−HK$1,139/mo
Today · 4.125%
HK$38,300
baseline
▲ 0.50% · 4.625%
HK$40,630
+HK$2,330/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,600/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,094
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,169
−HK$1,091/mo
Today · 4.125%
HK$42,260
baseline
▲ 0.50% · 4.625%
HK$44,488
+HK$2,228/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,520/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,046
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,354
−HK$1,329/mo
Today · 4.125%
HK$44,683
baseline
▲ 0.50% · 4.625%
HK$47,402
+HK$2,719/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,366/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$493,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,776
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,031
−HK$1,272/mo
Today · 4.125%
HK$49,303
baseline
▲ 0.50% · 4.625%
HK$51,902
+HK$2,599/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,606/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$493,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,060
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,741
−HK$1,709/mo
Today · 4.125%
HK$57,450
baseline
▲ 0.50% · 4.625%
HK$60,945
+HK$3,495/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,900/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,141
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,754
−HK$1,636/mo
Today · 4.125%
HK$63,390
baseline
▲ 0.50% · 4.625%
HK$66,732
+HK$3,342/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,780/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,912 · Scale 2, in force from 26 Feb 2026)