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$30,075
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,011
−HK$950/mo
Today · 4.125%
HK$31,961
baseline
▲ 0.50% · 4.625%
HK$33,906
+HK$1,945/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,922/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,458
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,356
−HK$910/mo
Today · 4.125%
HK$35,266
baseline
▲ 0.50% · 4.625%
HK$37,125
+HK$1,859/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,532/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,090
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,213
−HK$1,140/mo
Today · 4.125%
HK$38,353
baseline
▲ 0.50% · 4.625%
HK$40,687
+HK$2,334/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$76,706/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,150
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,227
−HK$1,092/mo
Today · 4.125%
HK$42,319
baseline
▲ 0.50% · 4.625%
HK$44,550
+HK$2,231/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$84,638/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,105
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,415
−HK$1,331/mo
Today · 4.125%
HK$44,746
baseline
▲ 0.50% · 4.625%
HK$47,468
+HK$2,722/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,492/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,842
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,098
−HK$1,274/mo
Today · 4.125%
HK$49,372
baseline
▲ 0.50% · 4.625%
HK$51,975
+HK$2,603/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,744/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,135
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,819
−HK$1,711/mo
Today · 4.125%
HK$57,530
baseline
▲ 0.50% · 4.625%
HK$61,031
+HK$3,501/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,060/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,225
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,840
−HK$1,639/mo
Today · 4.125%
HK$63,479
baseline
▲ 0.50% · 4.625%
HK$66,825
+HK$3,346/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,958/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,603 · Scale 2, in force from 26 Feb 2026)