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$30,071
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$31,006
−HK$950/mo
Today · 4.125%
HK$31,956
baseline
▲ 0.50% · 4.625%
HK$33,901
+HK$1,945/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,912/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,453
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,351
−HK$910/mo
Today · 4.125%
HK$35,261
baseline
▲ 0.50% · 4.625%
HK$37,119
+HK$1,858/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,522/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,085
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,207
−HK$1,141/mo
Today · 4.125%
HK$38,348
baseline
▲ 0.50% · 4.625%
HK$40,681
+HK$2,333/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,696/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,144
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,221
−HK$1,092/mo
Today · 4.125%
HK$42,313
baseline
▲ 0.50% · 4.625%
HK$44,543
+HK$2,230/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,626/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,099
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,408
−HK$1,331/mo
Today · 4.125%
HK$44,739
baseline
▲ 0.50% · 4.625%
HK$47,461
+HK$2,722/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,478/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,835
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,091
−HK$1,274/mo
Today · 4.125%
HK$49,365
baseline
▲ 0.50% · 4.625%
HK$51,967
+HK$2,602/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,730/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,127
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,811
−HK$1,710/mo
Today · 4.125%
HK$57,521
baseline
▲ 0.50% · 4.625%
HK$61,021
+HK$3,500/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,042/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,216
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,831
−HK$1,638/mo
Today · 4.125%
HK$63,469
baseline
▲ 0.50% · 4.625%
HK$66,815
+HK$3,346/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,938/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,528 · Scale 2, in force from 26 Feb 2026)