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$30,036
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,971
−HK$949/mo
Today · 4.125%
HK$31,920
baseline
▲ 0.50% · 4.625%
HK$33,862
+HK$1,942/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,840/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,415
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,311
−HK$909/mo
Today · 4.125%
HK$35,220
baseline
▲ 0.50% · 4.625%
HK$37,077
+HK$1,857/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,440/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,044
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,165
−HK$1,139/mo
Today · 4.125%
HK$38,304
baseline
▲ 0.50% · 4.625%
HK$40,635
+HK$2,331/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,608/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,098
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,174
−HK$1,091/mo
Today · 4.125%
HK$42,265
baseline
▲ 0.50% · 4.625%
HK$44,492
+HK$2,227/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,530/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,051
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,359
−HK$1,329/mo
Today · 4.125%
HK$44,688
baseline
▲ 0.50% · 4.625%
HK$47,407
+HK$2,719/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,376/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$493,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,781
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,036
−HK$1,273/mo
Today · 4.125%
HK$49,309
baseline
▲ 0.50% · 4.625%
HK$51,908
+HK$2,599/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,618/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$493,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,065
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,747
−HK$1,709/mo
Today · 4.125%
HK$57,456
baseline
▲ 0.50% · 4.625%
HK$60,952
+HK$3,496/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$114,912/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,147
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,760
−HK$1,637/mo
Today · 4.125%
HK$63,397
baseline
▲ 0.50% · 4.625%
HK$66,739
+HK$3,342/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$126,794/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,964 · Scale 2, in force from 26 Feb 2026)