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$29,998
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,931
−HK$948/mo
Today · 4.125%
HK$31,879
baseline
▲ 0.50% · 4.625%
HK$33,819
+HK$1,940/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,758/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,372
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,267
−HK$908/mo
Today · 4.125%
HK$35,175
baseline
▲ 0.50% · 4.625%
HK$37,029
+HK$1,854/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,350/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,997
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,117
−HK$1,138/mo
Today · 4.125%
HK$38,255
baseline
▲ 0.50% · 4.625%
HK$40,582
+HK$2,327/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,510/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,046
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,121
−HK$1,089/mo
Today · 4.125%
HK$42,210
baseline
▲ 0.50% · 4.625%
HK$44,435
+HK$2,225/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,420/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,997
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,303
−HK$1,327/mo
Today · 4.125%
HK$44,630
baseline
▲ 0.50% · 4.625%
HK$47,346
+HK$2,716/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,260/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,721
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,974
−HK$1,271/mo
Today · 4.125%
HK$49,245
baseline
▲ 0.50% · 4.625%
HK$51,841
+HK$2,596/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,490/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,996
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,675
−HK$1,707/mo
Today · 4.125%
HK$57,382
baseline
▲ 0.50% · 4.625%
HK$60,873
+HK$3,491/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,764/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,070
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,681
−HK$1,634/mo
Today · 4.125%
HK$63,315
baseline
▲ 0.50% · 4.625%
HK$66,653
+HK$3,338/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,630/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,327 · Scale 2, in force from 26 Feb 2026)