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$30,059
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,994
−HK$950/mo
Today · 4.125%
HK$31,944
baseline
▲ 0.50% · 4.625%
HK$33,887
+HK$1,943/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,888/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,440
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,337
−HK$910/mo
Today · 4.125%
HK$35,247
baseline
▲ 0.50% · 4.625%
HK$37,105
+HK$1,858/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,494/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,070
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,192
−HK$1,140/mo
Today · 4.125%
HK$38,332
baseline
▲ 0.50% · 4.625%
HK$40,665
+HK$2,333/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,664/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,128
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,204
−HK$1,092/mo
Today · 4.125%
HK$42,296
baseline
▲ 0.50% · 4.625%
HK$44,526
+HK$2,230/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,592/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,082
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,391
−HK$1,330/mo
Today · 4.125%
HK$44,721
baseline
▲ 0.50% · 4.625%
HK$47,442
+HK$2,721/mo
Deposit HK$3.95M · loan HK$9.23M · min. income ≈ HK$89,442/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,816
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,072
−HK$1,273/mo
Today · 4.125%
HK$49,345
baseline
▲ 0.50% · 4.625%
HK$51,946
+HK$2,601/mo
Deposit HK$3.95M · loan HK$9.23M · min. income ≈ HK$98,690/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,106
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,789
−HK$1,710/mo
Today · 4.125%
HK$57,499
baseline
▲ 0.50% · 4.625%
HK$60,997
+HK$3,498/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$114,998/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,192
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,806
−HK$1,638/mo
Today · 4.125%
HK$63,444
baseline
▲ 0.50% · 4.625%
HK$66,788
+HK$3,344/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$126,888/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,332 · Scale 2, in force from 26 Feb 2026)