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$30,032
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,966
−HK$949/mo
Today · 4.125%
HK$31,915
baseline
▲ 0.50% · 4.625%
HK$33,857
+HK$1,942/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,830/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,410
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,306
−HK$909/mo
Today · 4.125%
HK$35,215
baseline
▲ 0.50% · 4.625%
HK$37,071
+HK$1,856/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,430/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,038
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,159
−HK$1,139/mo
Today · 4.125%
HK$38,298
baseline
▲ 0.50% · 4.625%
HK$40,628
+HK$2,330/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,596/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,092
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,167
−HK$1,091/mo
Today · 4.125%
HK$42,258
baseline
▲ 0.50% · 4.625%
HK$44,486
+HK$2,228/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,516/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,045
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,352
−HK$1,329/mo
Today · 4.125%
HK$44,681
baseline
▲ 0.50% · 4.625%
HK$47,400
+HK$2,719/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,362/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$493,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,774
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,029
−HK$1,272/mo
Today · 4.125%
HK$49,301
baseline
▲ 0.50% · 4.625%
HK$51,900
+HK$2,599/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,602/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$493,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,057
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,739
−HK$1,708/mo
Today · 4.125%
HK$57,447
baseline
▲ 0.50% · 4.625%
HK$60,943
+HK$3,496/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,894/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,138
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,751
−HK$1,636/mo
Today · 4.125%
HK$63,387
baseline
▲ 0.50% · 4.625%
HK$66,729
+HK$3,342/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,774/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,890 · Scale 2, in force from 26 Feb 2026)