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$30,068
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,004
−HK$950/mo
Today · 4.125%
HK$31,954
baseline
▲ 0.50% · 4.625%
HK$33,898
+HK$1,944/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,908/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,451
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,348
−HK$910/mo
Today · 4.125%
HK$35,258
baseline
▲ 0.50% · 4.625%
HK$37,116
+HK$1,858/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,516/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,082
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,204
−HK$1,141/mo
Today · 4.125%
HK$38,345
baseline
▲ 0.50% · 4.625%
HK$40,678
+HK$2,333/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,690/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,141
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,217
−HK$1,092/mo
Today · 4.125%
HK$42,309
baseline
▲ 0.50% · 4.625%
HK$44,540
+HK$2,231/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,618/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,096
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,405
−HK$1,330/mo
Today · 4.125%
HK$44,735
baseline
▲ 0.50% · 4.625%
HK$47,457
+HK$2,722/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,470/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,831
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,087
−HK$1,274/mo
Today · 4.125%
HK$49,361
baseline
▲ 0.50% · 4.625%
HK$51,963
+HK$2,602/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,722/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,123
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,806
−HK$1,711/mo
Today · 4.125%
HK$57,517
baseline
▲ 0.50% · 4.625%
HK$61,017
+HK$3,500/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,034/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,211
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,826
−HK$1,638/mo
Today · 4.125%
HK$63,464
baseline
▲ 0.50% · 4.625%
HK$66,810
+HK$3,346/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,928/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,489 · Scale 2, in force from 26 Feb 2026)