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$30,017
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,951
−HK$949/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$493,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,394
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,290
−HK$908/mo
Today · 4.125%
HK$35,198
baseline
▲ 0.50% · 4.625%
HK$37,053
+HK$1,855/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,396/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,021
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,141
−HK$1,139/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$493,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,073
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,147
−HK$1,091/mo
Today · 4.125%
HK$42,238
baseline
▲ 0.50% · 4.625%
HK$44,464
+HK$2,226/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$493,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,024
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,331
−HK$1,329/mo
Today · 4.125%
HK$44,660
baseline
▲ 0.50% · 4.625%
HK$47,377
+HK$2,717/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$493,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,752
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$48,005
−HK$1,272/mo
Today · 4.125%
HK$49,277
baseline
▲ 0.50% · 4.625%
HK$51,875
+HK$2,598/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,554/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,031
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,712
−HK$1,707/mo
Today · 4.125%
HK$57,419
baseline
▲ 0.50% · 4.625%
HK$60,913
+HK$3,494/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,838/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,109
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,721
−HK$1,636/mo
Today · 4.125%
HK$63,357
baseline
▲ 0.50% · 4.625%
HK$66,696
+HK$3,339/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,714/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,651 · Scale 2, in force from 26 Feb 2026)