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$30,076
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,012
−HK$951/mo
Today · 4.125%
HK$31,963
baseline
▲ 0.50% · 4.625%
HK$33,907
+HK$1,944/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,926/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,460
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,357
−HK$911/mo
Today · 4.125%
HK$35,268
baseline
▲ 0.50% · 4.625%
HK$37,127
+HK$1,859/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,536/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,092
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,214
−HK$1,141/mo
Today · 4.125%
HK$38,355
baseline
▲ 0.50% · 4.625%
HK$40,689
+HK$2,334/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$76,710/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,152
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,229
−HK$1,092/mo
Today · 4.125%
HK$42,321
baseline
▲ 0.50% · 4.625%
HK$44,552
+HK$2,231/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$84,642/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,107
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,417
−HK$1,331/mo
Today · 4.125%
HK$44,748
baseline
▲ 0.50% · 4.625%
HK$47,470
+HK$2,722/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,496/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,844
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,100
−HK$1,275/mo
Today · 4.125%
HK$49,375
baseline
▲ 0.50% · 4.625%
HK$51,977
+HK$2,602/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,750/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,138
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,822
−HK$1,711/mo
Today · 4.125%
HK$57,533
baseline
▲ 0.50% · 4.625%
HK$61,033
+HK$3,500/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,066/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,228
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,843
−HK$1,639/mo
Today · 4.125%
HK$63,482
baseline
▲ 0.50% · 4.625%
HK$66,828
+HK$3,346/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,964/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,624 · Scale 2, in force from 26 Feb 2026)