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$30,025
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,959
−HK$949/mo
Today · 4.125%
HK$31,908
baseline
▲ 0.50% · 4.625%
HK$33,850
+HK$1,942/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,816/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,403
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,299
−HK$909/mo
Today · 4.125%
HK$35,208
baseline
▲ 0.50% · 4.625%
HK$37,063
+HK$1,855/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,416/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,030
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,151
−HK$1,139/mo
Today · 4.125%
HK$38,290
baseline
▲ 0.50% · 4.625%
HK$40,620
+HK$2,330/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,580/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,083
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,158
−HK$1,091/mo
Today · 4.125%
HK$42,249
baseline
▲ 0.50% · 4.625%
HK$44,476
+HK$2,227/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,498/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,035
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,343
−HK$1,328/mo
Today · 4.125%
HK$44,671
baseline
▲ 0.50% · 4.625%
HK$47,390
+HK$2,719/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,342/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,764
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,018
−HK$1,273/mo
Today · 4.125%
HK$49,291
baseline
▲ 0.50% · 4.625%
HK$51,889
+HK$2,598/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,582/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,046
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,727
−HK$1,708/mo
Today · 4.125%
HK$57,435
baseline
▲ 0.50% · 4.625%
HK$60,929
+HK$3,494/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,870/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,125
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,738
−HK$1,636/mo
Today · 4.125%
HK$63,374
baseline
▲ 0.50% · 4.625%
HK$66,714
+HK$3,340/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,748/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,782 · Scale 2, in force from 26 Feb 2026)