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$30,060
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,995
−HK$950/mo
Today · 4.125%
HK$31,945
baseline
▲ 0.50% · 4.625%
HK$33,889
+HK$1,944/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,890/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,442
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,338
−HK$910/mo
Today · 4.125%
HK$35,248
baseline
▲ 0.50% · 4.625%
HK$37,106
+HK$1,858/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,496/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,072
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,194
−HK$1,140/mo
Today · 4.125%
HK$38,334
baseline
▲ 0.50% · 4.625%
HK$40,667
+HK$2,333/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,668/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,130
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,206
−HK$1,092/mo
Today · 4.125%
HK$42,298
baseline
▲ 0.50% · 4.625%
HK$44,527
+HK$2,229/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,596/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,084
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,393
−HK$1,330/mo
Today · 4.125%
HK$44,723
baseline
▲ 0.50% · 4.625%
HK$47,444
+HK$2,721/mo
Deposit HK$3.95M · loan HK$9.23M · min. income ≈ HK$89,446/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,818
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,074
−HK$1,274/mo
Today · 4.125%
HK$49,348
baseline
▲ 0.50% · 4.625%
HK$51,949
+HK$2,601/mo
Deposit HK$3.95M · loan HK$9.23M · min. income ≈ HK$98,696/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,108
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,791
−HK$1,710/mo
Today · 4.125%
HK$57,501
baseline
▲ 0.50% · 4.625%
HK$61,000
+HK$3,499/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$115,002/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,195
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,809
−HK$1,638/mo
Today · 4.125%
HK$63,447
baseline
▲ 0.50% · 4.625%
HK$66,791
+HK$3,344/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$126,894/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,354 · Scale 2, in force from 26 Feb 2026)