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$30,035
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,969
−HK$950/mo
Today · 4.125%
HK$31,919
baseline
▲ 0.50% · 4.625%
HK$33,861
+HK$1,942/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,838/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,414
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,310
−HK$909/mo
Today · 4.125%
HK$35,219
baseline
▲ 0.50% · 4.625%
HK$37,075
+HK$1,856/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,438/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,042
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,163
−HK$1,139/mo
Today · 4.125%
HK$38,302
baseline
▲ 0.50% · 4.625%
HK$40,633
+HK$2,331/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,604/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,096
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,172
−HK$1,091/mo
Today · 4.125%
HK$42,263
baseline
▲ 0.50% · 4.625%
HK$44,490
+HK$2,227/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,526/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,049
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,357
−HK$1,329/mo
Today · 4.125%
HK$44,686
baseline
▲ 0.50% · 4.625%
HK$47,405
+HK$2,719/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,372/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$493,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,779
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,034
−HK$1,273/mo
Today · 4.125%
HK$49,307
baseline
▲ 0.50% · 4.625%
HK$51,906
+HK$2,599/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,614/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$493,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,063
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,745
−HK$1,708/mo
Today · 4.125%
HK$57,453
baseline
▲ 0.50% · 4.625%
HK$60,949
+HK$3,496/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,906/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,145
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,758
−HK$1,636/mo
Today · 4.125%
HK$63,394
baseline
▲ 0.50% · 4.625%
HK$66,736
+HK$3,342/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,788/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,943 · Scale 2, in force from 26 Feb 2026)