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$30,066
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,002
−HK$950/mo
Today · 4.125%
HK$31,952
baseline
▲ 0.50% · 4.625%
HK$33,896
+HK$1,944/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,904/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,449
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,346
−HK$910/mo
Today · 4.125%
HK$35,256
baseline
▲ 0.50% · 4.625%
HK$37,114
+HK$1,858/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,512/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,080
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,202
−HK$1,140/mo
Today · 4.125%
HK$38,342
baseline
▲ 0.50% · 4.625%
HK$40,675
+HK$2,333/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,684/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,138
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,215
−HK$1,092/mo
Today · 4.125%
HK$42,307
baseline
▲ 0.50% · 4.625%
HK$44,537
+HK$2,230/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,614/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,093
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,402
−HK$1,331/mo
Today · 4.125%
HK$44,733
baseline
▲ 0.50% · 4.625%
HK$47,454
+HK$2,721/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,466/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,828
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,084
−HK$1,274/mo
Today · 4.125%
HK$49,358
baseline
▲ 0.50% · 4.625%
HK$51,960
+HK$2,602/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,716/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,119
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,803
−HK$1,710/mo
Today · 4.125%
HK$57,513
baseline
▲ 0.50% · 4.625%
HK$61,013
+HK$3,500/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,026/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,207
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,822
−HK$1,638/mo
Today · 4.125%
HK$63,460
baseline
▲ 0.50% · 4.625%
HK$66,805
+HK$3,345/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,920/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,458 · Scale 2, in force from 26 Feb 2026)