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$1,882/mo
▼ 0.25% · 3.875%
HK$30,955
−HK$948/mo
Today · 4.125%
HK$31,903
baseline
▲ 0.50% · 4.625%
HK$33,845
+HK$1,942/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,806/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,398
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,294
−HK$908/mo
Today · 4.125%
HK$35,202
baseline
▲ 0.50% · 4.625%
HK$37,058
+HK$1,856/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,404/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,025
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,146
−HK$1,138/mo
Today · 4.125%
HK$38,284
baseline
▲ 0.50% · 4.625%
HK$40,614
+HK$2,330/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,568/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,078
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,152
−HK$1,091/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$493,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,029
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,337
−HK$1,328/mo
Today · 4.125%
HK$44,665
baseline
▲ 0.50% · 4.625%
HK$47,383
+HK$2,718/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,330/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,757
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,011
−HK$1,272/mo
Today · 4.125%
HK$49,283
baseline
▲ 0.50% · 4.625%
HK$51,881
+HK$2,598/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,566/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,038
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,719
−HK$1,707/mo
Today · 4.125%
HK$57,426
baseline
▲ 0.50% · 4.625%
HK$60,921
+HK$3,495/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,852/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,116
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,729
−HK$1,635/mo
Today · 4.125%
HK$63,364
baseline
▲ 0.50% · 4.625%
HK$66,704
+HK$3,340/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,728/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,710 · Scale 2, in force from 26 Feb 2026)