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$30,051
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,986
−HK$949/mo
Today · 4.125%
HK$31,935
baseline
▲ 0.50% · 4.625%
HK$33,878
+HK$1,943/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,870/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,431
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,328
−HK$909/mo
Today · 4.125%
HK$35,237
baseline
▲ 0.50% · 4.625%
HK$37,095
+HK$1,858/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,474/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,061
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,183
−HK$1,139/mo
Today · 4.125%
HK$38,322
baseline
▲ 0.50% · 4.625%
HK$40,654
+HK$2,332/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,644/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,117
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,193
−HK$1,092/mo
Today · 4.125%
HK$42,285
baseline
▲ 0.50% · 4.625%
HK$44,514
+HK$2,229/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,570/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,071
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,380
−HK$1,329/mo
Today · 4.125%
HK$44,709
baseline
▲ 0.50% · 4.625%
HK$47,430
+HK$2,721/mo
Deposit HK$3.95M · loan HK$9.23M · min. income ≈ HK$89,418/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,804
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,059
−HK$1,273/mo
Today · 4.125%
HK$49,332
baseline
▲ 0.50% · 4.625%
HK$51,933
+HK$2,601/mo
Deposit HK$3.95M · loan HK$9.23M · min. income ≈ HK$98,664/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,091
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,774
−HK$1,709/mo
Today · 4.125%
HK$57,483
baseline
▲ 0.50% · 4.625%
HK$60,981
+HK$3,498/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$114,966/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,176
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,790
−HK$1,637/mo
Today · 4.125%
HK$63,427
baseline
▲ 0.50% · 4.625%
HK$66,771
+HK$3,344/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$126,854/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,201 · Scale 2, in force from 26 Feb 2026)