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$30,046
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,981
−HK$949/mo
Today · 4.125%
HK$31,930
baseline
▲ 0.50% · 4.625%
HK$33,873
+HK$1,943/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,860/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,426
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,322
−HK$910/mo
Today · 4.125%
HK$35,232
baseline
▲ 0.50% · 4.625%
HK$37,089
+HK$1,857/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,464/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,055
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,177
−HK$1,139/mo
Today · 4.125%
HK$38,316
baseline
▲ 0.50% · 4.625%
HK$40,648
+HK$2,332/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,632/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$494,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,111
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,187
−HK$1,091/mo
Today · 4.125%
HK$42,278
baseline
▲ 0.50% · 4.625%
HK$44,507
+HK$2,229/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,556/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$494,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,064
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,373
−HK$1,329/mo
Today · 4.125%
HK$44,702
baseline
▲ 0.50% · 4.625%
HK$47,422
+HK$2,720/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,404/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,796
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,051
−HK$1,273/mo
Today · 4.125%
HK$49,324
baseline
▲ 0.50% · 4.625%
HK$51,924
+HK$2,600/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,648/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,083
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,765
−HK$1,709/mo
Today · 4.125%
HK$57,474
baseline
▲ 0.50% · 4.625%
HK$60,971
+HK$3,497/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$114,948/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,167
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,780
−HK$1,637/mo
Today · 4.125%
HK$63,417
baseline
▲ 0.50% · 4.625%
HK$66,760
+HK$3,343/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$126,834/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,122 · Scale 2, in force from 26 Feb 2026)