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$30,041
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,975
−HK$949/mo
Today · 4.125%
HK$31,924
baseline
▲ 0.50% · 4.625%
HK$33,867
+HK$1,943/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,848/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,420
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,316
−HK$909/mo
Today · 4.125%
HK$35,225
baseline
▲ 0.50% · 4.625%
HK$37,082
+HK$1,857/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,450/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,049
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,170
−HK$1,139/mo
Today · 4.125%
HK$38,309
baseline
▲ 0.50% · 4.625%
HK$40,640
+HK$2,331/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,618/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$494,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,104
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,179
−HK$1,091/mo
Today · 4.125%
HK$42,270
baseline
▲ 0.50% · 4.625%
HK$44,499
+HK$2,229/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,540/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$494,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,057
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,365
−HK$1,329/mo
Today · 4.125%
HK$44,694
baseline
▲ 0.50% · 4.625%
HK$47,414
+HK$2,720/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,388/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,788
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,043
−HK$1,273/mo
Today · 4.125%
HK$49,316
baseline
▲ 0.50% · 4.625%
HK$51,915
+HK$2,599/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,632/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,073
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,755
−HK$1,709/mo
Today · 4.125%
HK$57,464
baseline
▲ 0.50% · 4.625%
HK$60,960
+HK$3,496/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$114,928/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,156
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,769
−HK$1,637/mo
Today · 4.125%
HK$63,406
baseline
▲ 0.50% · 4.625%
HK$66,748
+HK$3,342/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$126,812/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,033 · Scale 2, in force from 26 Feb 2026)