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$30,047
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,982
−HK$950/mo
Today · 4.125%
HK$31,932
baseline
▲ 0.50% · 4.625%
HK$33,875
+HK$1,943/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,864/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,427
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,324
−HK$909/mo
Today · 4.125%
HK$35,233
baseline
▲ 0.50% · 4.625%
HK$37,091
+HK$1,858/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,466/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,057
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,178
−HK$1,140/mo
Today · 4.125%
HK$38,318
baseline
▲ 0.50% · 4.625%
HK$40,649
+HK$2,331/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,636/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,113
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,189
−HK$1,091/mo
Today · 4.125%
HK$42,280
baseline
▲ 0.50% · 4.625%
HK$44,509
+HK$2,229/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,560/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,066
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,375
−HK$1,329/mo
Today · 4.125%
HK$44,704
baseline
▲ 0.50% · 4.625%
HK$47,424
+HK$2,720/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,408/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,798
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,053
−HK$1,274/mo
Today · 4.125%
HK$49,327
baseline
▲ 0.50% · 4.625%
HK$51,927
+HK$2,600/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,654/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,085
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,768
−HK$1,709/mo
Today · 4.125%
HK$57,477
baseline
▲ 0.50% · 4.625%
HK$60,974
+HK$3,497/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$114,954/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,169
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,783
−HK$1,637/mo
Today · 4.125%
HK$63,420
baseline
▲ 0.50% · 4.625%
HK$66,763
+HK$3,343/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$126,840/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,145 · Scale 2, in force from 26 Feb 2026)