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$30,034
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,968
−HK$949/mo
Today · 4.125%
HK$31,917
baseline
▲ 0.50% · 4.625%
HK$33,859
+HK$1,942/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,834/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,413
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,309
−HK$909/mo
Today · 4.125%
HK$35,218
baseline
▲ 0.50% · 4.625%
HK$37,074
+HK$1,856/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,436/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,041
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,162
−HK$1,139/mo
Today · 4.125%
HK$38,301
baseline
▲ 0.50% · 4.625%
HK$40,631
+HK$2,330/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,602/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,095
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,170
−HK$1,091/mo
Today · 4.125%
HK$42,261
baseline
▲ 0.50% · 4.625%
HK$44,489
+HK$2,228/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,522/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,048
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,356
−HK$1,328/mo
Today · 4.125%
HK$44,684
baseline
▲ 0.50% · 4.625%
HK$47,403
+HK$2,719/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,368/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$493,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,778
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,032
−HK$1,273/mo
Today · 4.125%
HK$49,305
baseline
▲ 0.50% · 4.625%
HK$51,904
+HK$2,599/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,610/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$493,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,061
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,743
−HK$1,708/mo
Today · 4.125%
HK$57,451
baseline
▲ 0.50% · 4.625%
HK$60,947
+HK$3,496/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,902/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,143
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,756
−HK$1,636/mo
Today · 4.125%
HK$63,392
baseline
▲ 0.50% · 4.625%
HK$66,733
+HK$3,341/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,784/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,925 · Scale 2, in force from 26 Feb 2026)