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$30,073
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,009
−HK$950/mo
Today · 4.125%
HK$31,959
baseline
▲ 0.50% · 4.625%
HK$33,904
+HK$1,945/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,918/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,456
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,353
−HK$911/mo
Today · 4.125%
HK$35,264
baseline
▲ 0.50% · 4.625%
HK$37,122
+HK$1,858/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,528/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,088
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,210
−HK$1,141/mo
Today · 4.125%
HK$38,351
baseline
▲ 0.50% · 4.625%
HK$40,684
+HK$2,333/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$76,702/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,147
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,224
−HK$1,092/mo
Today · 4.125%
HK$42,316
baseline
▲ 0.50% · 4.625%
HK$44,547
+HK$2,231/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$84,632/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,102
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,412
−HK$1,331/mo
Today · 4.125%
HK$44,743
baseline
▲ 0.50% · 4.625%
HK$47,465
+HK$2,722/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,486/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,838
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,095
−HK$1,274/mo
Today · 4.125%
HK$49,369
baseline
▲ 0.50% · 4.625%
HK$51,971
+HK$2,602/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,738/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,132
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,815
−HK$1,711/mo
Today · 4.125%
HK$57,526
baseline
▲ 0.50% · 4.625%
HK$61,026
+HK$3,500/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,052/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,221
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,836
−HK$1,638/mo
Today · 4.125%
HK$63,474
baseline
▲ 0.50% · 4.625%
HK$66,820
+HK$3,346/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,948/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,568 · Scale 2, in force from 26 Feb 2026)