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$30,008
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,942
−HK$948/mo
Today · 4.125%
HK$31,890
baseline
▲ 0.50% · 4.625%
HK$33,830
+HK$1,940/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,780/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,384
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,279
−HK$908/mo
Today · 4.125%
HK$35,187
baseline
▲ 0.50% · 4.625%
HK$37,042
+HK$1,855/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,374/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,010
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,130
−HK$1,138/mo
Today · 4.125%
HK$38,268
baseline
▲ 0.50% · 4.625%
HK$40,596
+HK$2,328/mo
Deposit HK$5.26M · loan HK$7.90M · min. income ≈ HK$76,536/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,061
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,135
−HK$1,090/mo
Today · 4.125%
HK$42,225
baseline
▲ 0.50% · 4.625%
HK$44,451
+HK$2,226/mo
Deposit HK$5.26M · loan HK$7.90M · min. income ≈ HK$84,450/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,011
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,318
−HK$1,328/mo
Today · 4.125%
HK$44,646
baseline
▲ 0.50% · 4.625%
HK$47,363
+HK$2,717/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,292/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,737
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,991
−HK$1,271/mo
Today · 4.125%
HK$49,262
baseline
▲ 0.50% · 4.625%
HK$51,859
+HK$2,597/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,524/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,015
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,695
−HK$1,707/mo
Today · 4.125%
HK$57,402
baseline
▲ 0.50% · 4.625%
HK$60,895
+HK$3,493/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,804/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,091
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,702
−HK$1,635/mo
Today · 4.125%
HK$63,337
baseline
▲ 0.50% · 4.625%
HK$66,676
+HK$3,339/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,674/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,501 · Scale 2, in force from 26 Feb 2026)