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$30,011
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,944
−HK$949/mo
Today · 4.125%
HK$31,893
baseline
▲ 0.50% · 4.625%
HK$33,833
+HK$1,940/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,786/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,386
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,282
−HK$908/mo
Today · 4.125%
HK$35,190
baseline
▲ 0.50% · 4.625%
HK$37,045
+HK$1,855/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,380/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,013
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,133
−HK$1,138/mo
Today · 4.125%
HK$38,271
baseline
▲ 0.50% · 4.625%
HK$40,600
+HK$2,329/mo
Deposit HK$5.26M · loan HK$7.90M · min. income ≈ HK$76,542/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,064
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,138
−HK$1,090/mo
Today · 4.125%
HK$42,228
baseline
▲ 0.50% · 4.625%
HK$44,454
+HK$2,226/mo
Deposit HK$5.26M · loan HK$7.90M · min. income ≈ HK$84,456/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,015
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,322
−HK$1,328/mo
Today · 4.125%
HK$44,650
baseline
▲ 0.50% · 4.625%
HK$47,366
+HK$2,716/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,300/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,741
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,995
−HK$1,271/mo
Today · 4.125%
HK$49,266
baseline
▲ 0.50% · 4.625%
HK$51,863
+HK$2,597/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,532/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,019
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,699
−HK$1,708/mo
Today · 4.125%
HK$57,407
baseline
▲ 0.50% · 4.625%
HK$60,900
+HK$3,493/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,814/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,096
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,707
−HK$1,635/mo
Today · 4.125%
HK$63,342
baseline
▲ 0.50% · 4.625%
HK$66,681
+HK$3,339/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,684/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,540 · Scale 2, in force from 26 Feb 2026)