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$30,001
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,934
−HK$948/mo
Today · 4.125%
HK$31,882
baseline
▲ 0.50% · 4.625%
HK$33,822
+HK$1,940/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,764/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,376
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,271
−HK$908/mo
Today · 4.125%
HK$35,179
baseline
▲ 0.50% · 4.625%
HK$37,033
+HK$1,854/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,358/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,001
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,121
−HK$1,138/mo
Today · 4.125%
HK$38,259
baseline
▲ 0.50% · 4.625%
HK$40,587
+HK$2,328/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,518/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,051
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,125
−HK$1,090/mo
Today · 4.125%
HK$42,215
baseline
▲ 0.50% · 4.625%
HK$44,440
+HK$2,225/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,430/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,001
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,308
−HK$1,327/mo
Today · 4.125%
HK$44,635
baseline
▲ 0.50% · 4.625%
HK$47,351
+HK$2,716/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,270/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,726
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,979
−HK$1,271/mo
Today · 4.125%
HK$49,250
baseline
▲ 0.50% · 4.625%
HK$51,847
+HK$2,597/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,500/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,002
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,681
−HK$1,707/mo
Today · 4.125%
HK$57,388
baseline
▲ 0.50% · 4.625%
HK$60,880
+HK$3,492/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,776/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,076
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,688
−HK$1,634/mo
Today · 4.125%
HK$63,322
baseline
▲ 0.50% · 4.625%
HK$66,660
+HK$3,338/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,644/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,381 · Scale 2, in force from 26 Feb 2026)