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$30,018
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,952
−HK$948/mo
Today · 4.125%
HK$31,900
baseline
▲ 0.50% · 4.625%
HK$33,841
+HK$1,941/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,800/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,394
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,290
−HK$909/mo
Today · 4.125%
HK$35,199
baseline
▲ 0.50% · 4.625%
HK$37,054
+HK$1,855/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,398/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,021
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,142
−HK$1,138/mo
Today · 4.125%
HK$38,280
baseline
▲ 0.50% · 4.625%
HK$40,609
+HK$2,329/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,560/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,073
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,148
−HK$1,090/mo
Today · 4.125%
HK$42,238
baseline
▲ 0.50% · 4.625%
HK$44,465
+HK$2,227/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,476/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,025
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,332
−HK$1,328/mo
Today · 4.125%
HK$44,660
baseline
▲ 0.50% · 4.625%
HK$47,378
+HK$2,718/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,320/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,752
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,006
−HK$1,272/mo
Today · 4.125%
HK$49,278
baseline
▲ 0.50% · 4.625%
HK$51,876
+HK$2,598/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,556/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,032
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,713
−HK$1,707/mo
Today · 4.125%
HK$57,420
baseline
▲ 0.50% · 4.625%
HK$60,914
+HK$3,494/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,840/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,110
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,722
−HK$1,636/mo
Today · 4.125%
HK$63,358
baseline
▲ 0.50% · 4.625%
HK$66,697
+HK$3,339/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,716/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,659 · Scale 2, in force from 26 Feb 2026)