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$30,009
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,942
−HK$949/mo
Today · 4.125%
HK$31,891
baseline
▲ 0.50% · 4.625%
HK$33,831
+HK$1,940/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,782/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,385
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,280
−HK$908/mo
Today · 4.125%
HK$35,188
baseline
▲ 0.50% · 4.625%
HK$37,043
+HK$1,855/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,376/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,011
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,131
−HK$1,138/mo
Today · 4.125%
HK$38,269
baseline
▲ 0.50% · 4.625%
HK$40,598
+HK$2,329/mo
Deposit HK$5.26M · loan HK$7.90M · min. income ≈ HK$76,538/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,062
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,136
−HK$1,090/mo
Today · 4.125%
HK$42,226
baseline
▲ 0.50% · 4.625%
HK$44,452
+HK$2,226/mo
Deposit HK$5.26M · loan HK$7.90M · min. income ≈ HK$84,452/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,013
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,319
−HK$1,328/mo
Today · 4.125%
HK$44,647
baseline
▲ 0.50% · 4.625%
HK$47,364
+HK$2,717/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,294/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,739
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,992
−HK$1,272/mo
Today · 4.125%
HK$49,264
baseline
▲ 0.50% · 4.625%
HK$51,861
+HK$2,597/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,528/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,016
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,696
−HK$1,708/mo
Today · 4.125%
HK$57,404
baseline
▲ 0.50% · 4.625%
HK$60,896
+HK$3,492/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,808/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,093
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,704
−HK$1,635/mo
Today · 4.125%
HK$63,339
baseline
▲ 0.50% · 4.625%
HK$66,678
+HK$3,339/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,678/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,514 · Scale 2, in force from 26 Feb 2026)