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$30,007
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,941
−HK$948/mo
Today · 4.125%
HK$31,889
baseline
▲ 0.50% · 4.625%
HK$33,829
+HK$1,940/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,778/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,383
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,278
−HK$908/mo
Today · 4.125%
HK$35,186
baseline
▲ 0.50% · 4.625%
HK$37,041
+HK$1,855/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,372/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,009
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,129
−HK$1,138/mo
Today · 4.125%
HK$38,267
baseline
▲ 0.50% · 4.625%
HK$40,595
+HK$2,328/mo
Deposit HK$5.26M · loan HK$7.90M · min. income ≈ HK$76,534/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,059
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,134
−HK$1,090/mo
Today · 4.125%
HK$42,224
baseline
▲ 0.50% · 4.625%
HK$44,449
+HK$2,225/mo
Deposit HK$5.26M · loan HK$7.90M · min. income ≈ HK$84,448/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,010
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,317
−HK$1,327/mo
Today · 4.125%
HK$44,644
baseline
▲ 0.50% · 4.625%
HK$47,361
+HK$2,717/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,288/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,736
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,989
−HK$1,272/mo
Today · 4.125%
HK$49,261
baseline
▲ 0.50% · 4.625%
HK$51,857
+HK$2,596/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,522/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,013
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,693
−HK$1,707/mo
Today · 4.125%
HK$57,400
baseline
▲ 0.50% · 4.625%
HK$60,893
+HK$3,493/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,800/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,089
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,700
−HK$1,635/mo
Today · 4.125%
HK$63,335
baseline
▲ 0.50% · 4.625%
HK$66,674
+HK$3,339/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,670/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,485 · Scale 2, in force from 26 Feb 2026)