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$30,015
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,949
−HK$948/mo
Today · 4.125%
HK$31,897
baseline
▲ 0.50% · 4.625%
HK$33,838
+HK$1,941/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,794/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,391
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,287
−HK$908/mo
Today · 4.125%
HK$35,195
baseline
▲ 0.50% · 4.625%
HK$37,051
+HK$1,856/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,390/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,018
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,138
−HK$1,139/mo
Today · 4.125%
HK$38,277
baseline
▲ 0.50% · 4.625%
HK$40,606
+HK$2,329/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,554/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,070
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,144
−HK$1,091/mo
Today · 4.125%
HK$42,235
baseline
▲ 0.50% · 4.625%
HK$44,461
+HK$2,226/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,470/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,021
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,328
−HK$1,328/mo
Today · 4.125%
HK$44,656
baseline
▲ 0.50% · 4.625%
HK$47,373
+HK$2,717/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,312/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,748
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,002
−HK$1,272/mo
Today · 4.125%
HK$49,274
baseline
▲ 0.50% · 4.625%
HK$51,871
+HK$2,597/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,548/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,027
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,708
−HK$1,707/mo
Today · 4.125%
HK$57,415
baseline
▲ 0.50% · 4.625%
HK$60,909
+HK$3,494/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,830/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,105
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,716
−HK$1,636/mo
Today · 4.125%
HK$63,352
baseline
▲ 0.50% · 4.625%
HK$66,691
+HK$3,339/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,704/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,613 · Scale 2, in force from 26 Feb 2026)