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$30,019
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,953
−HK$949/mo
Today · 4.125%
HK$31,902
baseline
▲ 0.50% · 4.625%
HK$33,843
+HK$1,941/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,804/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,396
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,292
−HK$909/mo
Today · 4.125%
HK$35,201
baseline
▲ 0.50% · 4.625%
HK$37,056
+HK$1,855/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,402/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,023
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,144
−HK$1,138/mo
Today · 4.125%
HK$38,282
baseline
▲ 0.50% · 4.625%
HK$40,612
+HK$2,330/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,564/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,075
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,150
−HK$1,091/mo
Today · 4.125%
HK$42,241
baseline
▲ 0.50% · 4.625%
HK$44,467
+HK$2,226/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,482/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,027
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,334
−HK$1,329/mo
Today · 4.125%
HK$44,663
baseline
▲ 0.50% · 4.625%
HK$47,380
+HK$2,717/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,326/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,755
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,009
−HK$1,272/mo
Today · 4.125%
HK$49,281
baseline
▲ 0.50% · 4.625%
HK$51,878
+HK$2,597/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,562/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,035
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,716
−HK$1,707/mo
Today · 4.125%
HK$57,423
baseline
▲ 0.50% · 4.625%
HK$60,917
+HK$3,494/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,846/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,113
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,725
−HK$1,636/mo
Today · 4.125%
HK$63,361
baseline
▲ 0.50% · 4.625%
HK$66,701
+HK$3,340/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,722/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,685 · Scale 2, in force from 26 Feb 2026)