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$30,062
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,997
−HK$950/mo
Today · 4.125%
HK$31,947
baseline
▲ 0.50% · 4.625%
HK$33,891
+HK$1,944/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,894/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,444
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,341
−HK$909/mo
Today · 4.125%
HK$35,250
baseline
▲ 0.50% · 4.625%
HK$37,109
+HK$1,859/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,500/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,074
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,196
−HK$1,141/mo
Today · 4.125%
HK$38,337
baseline
▲ 0.50% · 4.625%
HK$40,669
+HK$2,332/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,674/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,132
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,209
−HK$1,092/mo
Today · 4.125%
HK$42,301
baseline
▲ 0.50% · 4.625%
HK$44,530
+HK$2,229/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,602/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,087
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,396
−HK$1,330/mo
Today · 4.125%
HK$44,726
baseline
▲ 0.50% · 4.625%
HK$47,447
+HK$2,721/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,452/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,821
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,077
−HK$1,274/mo
Today · 4.125%
HK$49,351
baseline
▲ 0.50% · 4.625%
HK$51,952
+HK$2,601/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,702/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,112
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,795
−HK$1,710/mo
Today · 4.125%
HK$57,505
baseline
▲ 0.50% · 4.625%
HK$61,004
+HK$3,499/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,010/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,199
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,813
−HK$1,638/mo
Today · 4.125%
HK$63,451
baseline
▲ 0.50% · 4.625%
HK$66,795
+HK$3,344/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,902/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,385 · Scale 2, in force from 26 Feb 2026)