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$29,998
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,931
−HK$948/mo
Today · 4.125%
HK$31,879
baseline
▲ 0.50% · 4.625%
HK$33,819
+HK$1,940/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,758/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,373
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,268
−HK$908/mo
Today · 4.125%
HK$35,176
baseline
▲ 0.50% · 4.625%
HK$37,030
+HK$1,854/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,352/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,998
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,118
−HK$1,137/mo
Today · 4.125%
HK$38,255
baseline
▲ 0.50% · 4.625%
HK$40,583
+HK$2,328/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,510/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,047
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,121
−HK$1,090/mo
Today · 4.125%
HK$42,211
baseline
▲ 0.50% · 4.625%
HK$44,436
+HK$2,225/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,422/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,998
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,304
−HK$1,327/mo
Today · 4.125%
HK$44,631
baseline
▲ 0.50% · 4.625%
HK$47,347
+HK$2,716/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,262/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,722
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,975
−HK$1,271/mo
Today · 4.125%
HK$49,246
baseline
▲ 0.50% · 4.625%
HK$51,842
+HK$2,596/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,492/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,997
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,677
−HK$1,706/mo
Today · 4.125%
HK$57,383
baseline
▲ 0.50% · 4.625%
HK$60,875
+HK$3,492/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,766/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,071
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,682
−HK$1,634/mo
Today · 4.125%
HK$63,316
baseline
▲ 0.50% · 4.625%
HK$66,654
+HK$3,338/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,632/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,338 · Scale 2, in force from 26 Feb 2026)