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$30,002
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,935
−HK$948/mo
Today · 4.125%
HK$31,883
baseline
▲ 0.50% · 4.625%
HK$33,823
+HK$1,940/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,766/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,377
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,272
−HK$908/mo
Today · 4.125%
HK$35,180
baseline
▲ 0.50% · 4.625%
HK$37,034
+HK$1,854/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,360/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,002
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,122
−HK$1,138/mo
Today · 4.125%
HK$38,260
baseline
▲ 0.50% · 4.625%
HK$40,588
+HK$2,328/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,520/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,052
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,126
−HK$1,090/mo
Today · 4.125%
HK$42,216
baseline
▲ 0.50% · 4.625%
HK$44,441
+HK$2,225/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,432/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,003
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,309
−HK$1,328/mo
Today · 4.125%
HK$44,637
baseline
▲ 0.50% · 4.625%
HK$47,353
+HK$2,716/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,274/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,728
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,981
−HK$1,271/mo
Today · 4.125%
HK$49,252
baseline
▲ 0.50% · 4.625%
HK$51,848
+HK$2,596/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,504/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,003
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,683
−HK$1,707/mo
Today · 4.125%
HK$57,390
baseline
▲ 0.50% · 4.625%
HK$60,882
+HK$3,492/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,780/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,078
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,690
−HK$1,634/mo
Today · 4.125%
HK$63,324
baseline
▲ 0.50% · 4.625%
HK$66,662
+HK$3,338/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,648/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,398 · Scale 2, in force from 26 Feb 2026)