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$30,003
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,936
−HK$949/mo
Today · 4.125%
HK$31,885
baseline
▲ 0.50% · 4.625%
HK$33,825
+HK$1,940/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,770/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,378
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,273
−HK$909/mo
Today · 4.125%
HK$35,182
baseline
▲ 0.50% · 4.625%
HK$37,036
+HK$1,854/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,364/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,004
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,124
−HK$1,138/mo
Today · 4.125%
HK$38,262
baseline
▲ 0.50% · 4.625%
HK$40,590
+HK$2,328/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,524/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,054
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,128
−HK$1,090/mo
Today · 4.125%
HK$42,218
baseline
▲ 0.50% · 4.625%
HK$44,443
+HK$2,225/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,436/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,004
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,311
−HK$1,328/mo
Today · 4.125%
HK$44,639
baseline
▲ 0.50% · 4.625%
HK$47,355
+HK$2,716/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,278/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,730
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,983
−HK$1,271/mo
Today · 4.125%
HK$49,254
baseline
▲ 0.50% · 4.625%
HK$51,850
+HK$2,596/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,508/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,006
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,686
−HK$1,706/mo
Today · 4.125%
HK$57,392
baseline
▲ 0.50% · 4.625%
HK$60,885
+HK$3,493/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,784/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,081
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,692
−HK$1,635/mo
Today · 4.125%
HK$63,327
baseline
▲ 0.50% · 4.625%
HK$66,665
+HK$3,338/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,654/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,418 · Scale 2, in force from 26 Feb 2026)