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$30,023
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,957
−HK$949/mo
Today · 4.125%
HK$31,906
baseline
▲ 0.50% · 4.625%
HK$33,847
+HK$1,941/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,812/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,401
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,296
−HK$909/mo
Today · 4.125%
HK$35,205
baseline
▲ 0.50% · 4.625%
HK$37,061
+HK$1,856/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,410/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,028
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,149
−HK$1,138/mo
Today · 4.125%
HK$38,287
baseline
▲ 0.50% · 4.625%
HK$40,617
+HK$2,330/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,574/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,081
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,156
−HK$1,090/mo
Today · 4.125%
HK$42,246
baseline
▲ 0.50% · 4.625%
HK$44,473
+HK$2,227/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,492/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,033
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,340
−HK$1,329/mo
Today · 4.125%
HK$44,669
baseline
▲ 0.50% · 4.625%
HK$47,386
+HK$2,717/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,338/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,761
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,015
−HK$1,272/mo
Today · 4.125%
HK$49,287
baseline
▲ 0.50% · 4.625%
HK$51,885
+HK$2,598/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,574/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,042
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,723
−HK$1,708/mo
Today · 4.125%
HK$57,431
baseline
▲ 0.50% · 4.625%
HK$60,925
+HK$3,494/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,862/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,121
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,734
−HK$1,635/mo
Today · 4.125%
HK$63,369
baseline
▲ 0.50% · 4.625%
HK$66,710
+HK$3,341/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,738/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,750 · Scale 2, in force from 26 Feb 2026)