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$30,054
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,989
−HK$950/mo
Today · 4.125%
HK$31,939
baseline
▲ 0.50% · 4.625%
HK$33,882
+HK$1,943/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,878/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,435
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,331
−HK$910/mo
Today · 4.125%
HK$35,241
baseline
▲ 0.50% · 4.625%
HK$37,099
+HK$1,858/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,482/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,065
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,186
−HK$1,140/mo
Today · 4.125%
HK$38,326
baseline
▲ 0.50% · 4.625%
HK$40,658
+HK$2,332/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,652/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,122
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,198
−HK$1,091/mo
Today · 4.125%
HK$42,289
baseline
▲ 0.50% · 4.625%
HK$44,518
+HK$2,229/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,578/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,075
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,384
−HK$1,330/mo
Today · 4.125%
HK$44,714
baseline
▲ 0.50% · 4.625%
HK$47,435
+HK$2,721/mo
Deposit HK$3.95M · loan HK$9.23M · min. income ≈ HK$89,428/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,808
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,064
−HK$1,273/mo
Today · 4.125%
HK$49,337
baseline
▲ 0.50% · 4.625%
HK$51,938
+HK$2,601/mo
Deposit HK$3.95M · loan HK$9.23M · min. income ≈ HK$98,674/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,097
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,780
−HK$1,709/mo
Today · 4.125%
HK$57,489
baseline
▲ 0.50% · 4.625%
HK$60,987
+HK$3,498/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$114,978/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,182
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,796
−HK$1,638/mo
Today · 4.125%
HK$63,434
baseline
▲ 0.50% · 4.625%
HK$66,777
+HK$3,343/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$126,868/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,252 · Scale 2, in force from 26 Feb 2026)