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$30,068
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$31,003
−HK$950/mo
Today · 4.125%
HK$31,953
baseline
▲ 0.50% · 4.625%
HK$33,898
+HK$1,945/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,906/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,450
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,347
−HK$910/mo
Today · 4.125%
HK$35,257
baseline
▲ 0.50% · 4.625%
HK$37,116
+HK$1,859/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,514/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,081
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,204
−HK$1,140/mo
Today · 4.125%
HK$38,344
baseline
▲ 0.50% · 4.625%
HK$40,677
+HK$2,333/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,688/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,140
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,217
−HK$1,092/mo
Today · 4.125%
HK$42,309
baseline
▲ 0.50% · 4.625%
HK$44,539
+HK$2,230/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,618/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,095
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,404
−HK$1,331/mo
Today · 4.125%
HK$44,735
baseline
▲ 0.50% · 4.625%
HK$47,457
+HK$2,722/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,470/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,830
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,086
−HK$1,274/mo
Today · 4.125%
HK$49,360
baseline
▲ 0.50% · 4.625%
HK$51,962
+HK$2,602/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,720/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,122
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,805
−HK$1,711/mo
Today · 4.125%
HK$57,516
baseline
▲ 0.50% · 4.625%
HK$61,016
+HK$3,500/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,032/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,210
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,825
−HK$1,638/mo
Today · 4.125%
HK$63,463
baseline
▲ 0.50% · 4.625%
HK$66,808
+HK$3,345/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,926/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,480 · Scale 2, in force from 26 Feb 2026)