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$30,076
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,011
−HK$951/mo
Today · 4.125%
HK$31,962
baseline
▲ 0.50% · 4.625%
HK$33,907
+HK$1,945/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,924/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,459
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,356
−HK$911/mo
Today · 4.125%
HK$35,267
baseline
▲ 0.50% · 4.625%
HK$37,126
+HK$1,859/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,534/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,091
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,214
−HK$1,140/mo
Today · 4.125%
HK$38,354
baseline
▲ 0.50% · 4.625%
HK$40,688
+HK$2,334/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$76,708/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,151
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,228
−HK$1,092/mo
Today · 4.125%
HK$42,320
baseline
▲ 0.50% · 4.625%
HK$44,551
+HK$2,231/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$84,640/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,106
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,416
−HK$1,331/mo
Today · 4.125%
HK$44,747
baseline
▲ 0.50% · 4.625%
HK$47,469
+HK$2,722/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,494/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,843
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,099
−HK$1,274/mo
Today · 4.125%
HK$49,373
baseline
▲ 0.50% · 4.625%
HK$51,976
+HK$2,603/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,746/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,137
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,820
−HK$1,711/mo
Today · 4.125%
HK$57,531
baseline
▲ 0.50% · 4.625%
HK$61,032
+HK$3,501/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,062/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,226
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,842
−HK$1,638/mo
Today · 4.125%
HK$63,480
baseline
▲ 0.50% · 4.625%
HK$66,826
+HK$3,346/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,960/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,613 · Scale 2, in force from 26 Feb 2026)