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$30,035
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,969
−HK$949/mo
Today · 4.125%
HK$31,918
baseline
▲ 0.50% · 4.625%
HK$33,860
+HK$1,942/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,836/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,413
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,309
−HK$909/mo
Today · 4.125%
HK$35,218
baseline
▲ 0.50% · 4.625%
HK$37,075
+HK$1,857/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,436/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,041
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,163
−HK$1,139/mo
Today · 4.125%
HK$38,302
baseline
▲ 0.50% · 4.625%
HK$40,632
+HK$2,330/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,604/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,096
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,171
−HK$1,091/mo
Today · 4.125%
HK$42,262
baseline
▲ 0.50% · 4.625%
HK$44,490
+HK$2,228/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,524/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,048
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,356
−HK$1,329/mo
Today · 4.125%
HK$44,685
baseline
▲ 0.50% · 4.625%
HK$47,404
+HK$2,719/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,370/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$493,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,778
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,033
−HK$1,273/mo
Today · 4.125%
HK$49,306
baseline
▲ 0.50% · 4.625%
HK$51,905
+HK$2,599/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,612/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$493,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,062
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,744
−HK$1,708/mo
Today · 4.125%
HK$57,452
baseline
▲ 0.50% · 4.625%
HK$60,948
+HK$3,496/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,904/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,144
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,757
−HK$1,636/mo
Today · 4.125%
HK$63,393
baseline
▲ 0.50% · 4.625%
HK$66,735
+HK$3,342/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,786/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,934 · Scale 2, in force from 26 Feb 2026)