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$30,048
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,983
−HK$950/mo
Today · 4.125%
HK$31,933
baseline
▲ 0.50% · 4.625%
HK$33,876
+HK$1,943/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,866/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,428
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,325
−HK$909/mo
Today · 4.125%
HK$35,234
baseline
▲ 0.50% · 4.625%
HK$37,092
+HK$1,858/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,468/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,058
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,180
−HK$1,139/mo
Today · 4.125%
HK$38,319
baseline
▲ 0.50% · 4.625%
HK$40,651
+HK$2,332/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,638/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,114
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,190
−HK$1,091/mo
Today · 4.125%
HK$42,281
baseline
▲ 0.50% · 4.625%
HK$44,510
+HK$2,229/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,562/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,068
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,376
−HK$1,330/mo
Today · 4.125%
HK$44,706
baseline
▲ 0.50% · 4.625%
HK$47,426
+HK$2,720/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,412/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,800
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,055
−HK$1,273/mo
Today · 4.125%
HK$49,328
baseline
▲ 0.50% · 4.625%
HK$51,928
+HK$2,600/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,656/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,087
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,769
−HK$1,710/mo
Today · 4.125%
HK$57,479
baseline
▲ 0.50% · 4.625%
HK$60,976
+HK$3,497/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$114,958/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,171
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,785
−HK$1,637/mo
Today · 4.125%
HK$63,422
baseline
▲ 0.50% · 4.625%
HK$66,765
+HK$3,343/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$126,844/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,160 · Scale 2, in force from 26 Feb 2026)