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$30,072
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,007
−HK$951/mo
Today · 4.125%
HK$31,958
baseline
▲ 0.50% · 4.625%
HK$33,902
+HK$1,944/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,916/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,455
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,352
−HK$910/mo
Today · 4.125%
HK$35,262
baseline
▲ 0.50% · 4.625%
HK$37,121
+HK$1,859/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,524/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,086
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,209
−HK$1,140/mo
Today · 4.125%
HK$38,349
baseline
▲ 0.50% · 4.625%
HK$40,683
+HK$2,334/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$76,698/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,146
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,222
−HK$1,092/mo
Today · 4.125%
HK$42,314
baseline
▲ 0.50% · 4.625%
HK$44,545
+HK$2,231/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$84,628/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,101
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,410
−HK$1,331/mo
Today · 4.125%
HK$44,741
baseline
▲ 0.50% · 4.625%
HK$47,463
+HK$2,722/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,482/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,836
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,093
−HK$1,274/mo
Today · 4.125%
HK$49,367
baseline
▲ 0.50% · 4.625%
HK$51,969
+HK$2,602/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,734/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,129
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,813
−HK$1,711/mo
Today · 4.125%
HK$57,524
baseline
▲ 0.50% · 4.625%
HK$61,024
+HK$3,500/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,048/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,218
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,833
−HK$1,639/mo
Today · 4.125%
HK$63,472
baseline
▲ 0.50% · 4.625%
HK$66,817
+HK$3,345/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,944/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,547 · Scale 2, in force from 26 Feb 2026)