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$30,047
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,981
−HK$950/mo
Today · 4.125%
HK$31,931
baseline
▲ 0.50% · 4.625%
HK$33,874
+HK$1,943/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,862/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,427
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,323
−HK$910/mo
Today · 4.125%
HK$35,233
baseline
▲ 0.50% · 4.625%
HK$37,090
+HK$1,857/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,466/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,056
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,178
−HK$1,139/mo
Today · 4.125%
HK$38,317
baseline
▲ 0.50% · 4.625%
HK$40,649
+HK$2,332/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,634/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$494,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,112
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,188
−HK$1,091/mo
Today · 4.125%
HK$42,279
baseline
▲ 0.50% · 4.625%
HK$44,508
+HK$2,229/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,558/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$494,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,066
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,374
−HK$1,329/mo
Today · 4.125%
HK$44,703
baseline
▲ 0.50% · 4.625%
HK$47,424
+HK$2,721/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,406/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,798
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,053
−HK$1,273/mo
Today · 4.125%
HK$49,326
baseline
▲ 0.50% · 4.625%
HK$51,926
+HK$2,600/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,652/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,084
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,767
−HK$1,709/mo
Today · 4.125%
HK$57,476
baseline
▲ 0.50% · 4.625%
HK$60,973
+HK$3,497/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$114,952/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,168
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,782
−HK$1,637/mo
Today · 4.125%
HK$63,419
baseline
▲ 0.50% · 4.625%
HK$66,762
+HK$3,343/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$126,838/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,137 · Scale 2, in force from 26 Feb 2026)