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$30,037
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,971
−HK$949/mo
Today · 4.125%
HK$31,920
baseline
▲ 0.50% · 4.625%
HK$33,863
+HK$1,943/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,840/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,416
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,312
−HK$909/mo
Today · 4.125%
HK$35,221
baseline
▲ 0.50% · 4.625%
HK$37,078
+HK$1,857/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,442/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,044
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,165
−HK$1,139/mo
Today · 4.125%
HK$38,304
baseline
▲ 0.50% · 4.625%
HK$40,635
+HK$2,331/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,608/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,099
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,174
−HK$1,091/mo
Today · 4.125%
HK$42,265
baseline
▲ 0.50% · 4.625%
HK$44,493
+HK$2,228/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,530/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,052
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,360
−HK$1,328/mo
Today · 4.125%
HK$44,688
baseline
▲ 0.50% · 4.625%
HK$47,408
+HK$2,720/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,376/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$493,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,782
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,037
−HK$1,272/mo
Today · 4.125%
HK$49,309
baseline
▲ 0.50% · 4.625%
HK$51,909
+HK$2,600/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,618/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$493,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,066
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,748
−HK$1,709/mo
Today · 4.125%
HK$57,457
baseline
▲ 0.50% · 4.625%
HK$60,953
+HK$3,496/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$114,914/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,148
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,761
−HK$1,637/mo
Today · 4.125%
HK$63,398
baseline
▲ 0.50% · 4.625%
HK$66,740
+HK$3,342/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$126,796/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,971 · Scale 2, in force from 26 Feb 2026)