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$30,021
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,955
−HK$949/mo
Today · 4.125%
HK$31,904
baseline
▲ 0.50% · 4.625%
HK$33,845
+HK$1,941/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,808/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,398
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,294
−HK$909/mo
Today · 4.125%
HK$35,203
baseline
▲ 0.50% · 4.625%
HK$37,058
+HK$1,855/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,406/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,026
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,146
−HK$1,139/mo
Today · 4.125%
HK$38,285
baseline
▲ 0.50% · 4.625%
HK$40,614
+HK$2,329/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,570/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,078
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,153
−HK$1,090/mo
Today · 4.125%
HK$42,243
baseline
▲ 0.50% · 4.625%
HK$44,470
+HK$2,227/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,486/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,030
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,337
−HK$1,329/mo
Today · 4.125%
HK$44,666
baseline
▲ 0.50% · 4.625%
HK$47,383
+HK$2,717/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,332/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,758
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,012
−HK$1,272/mo
Today · 4.125%
HK$49,284
baseline
▲ 0.50% · 4.625%
HK$51,882
+HK$2,598/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,568/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,038
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,719
−HK$1,708/mo
Today · 4.125%
HK$57,427
baseline
▲ 0.50% · 4.625%
HK$60,921
+HK$3,494/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,854/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,117
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,729
−HK$1,636/mo
Today · 4.125%
HK$63,365
baseline
▲ 0.50% · 4.625%
HK$66,705
+HK$3,340/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,730/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,717 · Scale 2, in force from 26 Feb 2026)