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$30,053
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,987
−HK$950/mo
Today · 4.125%
HK$31,937
baseline
▲ 0.50% · 4.625%
HK$33,880
+HK$1,943/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,874/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,433
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,330
−HK$910/mo
Today · 4.125%
HK$35,240
baseline
▲ 0.50% · 4.625%
HK$37,097
+HK$1,857/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,480/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,063
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,185
−HK$1,140/mo
Today · 4.125%
HK$38,325
baseline
▲ 0.50% · 4.625%
HK$40,657
+HK$2,332/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,650/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,120
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,196
−HK$1,091/mo
Today · 4.125%
HK$42,287
baseline
▲ 0.50% · 4.625%
HK$44,516
+HK$2,229/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,574/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,074
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,382
−HK$1,330/mo
Today · 4.125%
HK$44,712
baseline
▲ 0.50% · 4.625%
HK$47,433
+HK$2,721/mo
Deposit HK$3.95M · loan HK$9.23M · min. income ≈ HK$89,424/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,807
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,062
−HK$1,273/mo
Today · 4.125%
HK$49,335
baseline
▲ 0.50% · 4.625%
HK$51,936
+HK$2,601/mo
Deposit HK$3.95M · loan HK$9.23M · min. income ≈ HK$98,670/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,095
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,777
−HK$1,710/mo
Today · 4.125%
HK$57,487
baseline
▲ 0.50% · 4.625%
HK$60,985
+HK$3,498/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$114,974/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,180
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,794
−HK$1,637/mo
Today · 4.125%
HK$63,431
baseline
▲ 0.50% · 4.625%
HK$66,775
+HK$3,344/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$126,862/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,231 · Scale 2, in force from 26 Feb 2026)