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$30,050
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,985
−HK$950/mo
Today · 4.125%
HK$31,935
baseline
▲ 0.50% · 4.625%
HK$33,878
+HK$1,943/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,870/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,431
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,327
−HK$910/mo
Today · 4.125%
HK$35,237
baseline
▲ 0.50% · 4.625%
HK$37,094
+HK$1,857/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,474/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,060
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,182
−HK$1,140/mo
Today · 4.125%
HK$38,322
baseline
▲ 0.50% · 4.625%
HK$40,654
+HK$2,332/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,644/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,117
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,193
−HK$1,091/mo
Today · 4.125%
HK$42,284
baseline
▲ 0.50% · 4.625%
HK$44,513
+HK$2,229/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,568/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,071
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,379
−HK$1,330/mo
Today · 4.125%
HK$44,709
baseline
▲ 0.50% · 4.625%
HK$47,429
+HK$2,720/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,418/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,803
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,058
−HK$1,274/mo
Today · 4.125%
HK$49,332
baseline
▲ 0.50% · 4.625%
HK$51,932
+HK$2,600/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,664/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,091
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,773
−HK$1,710/mo
Today · 4.125%
HK$57,483
baseline
▲ 0.50% · 4.625%
HK$60,980
+HK$3,497/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$114,966/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,175
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,789
−HK$1,637/mo
Today · 4.125%
HK$63,426
baseline
▲ 0.50% · 4.625%
HK$66,770
+HK$3,344/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$126,852/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,195 · Scale 2, in force from 26 Feb 2026)