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$30,044
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,978
−HK$950/mo
Today · 4.125%
HK$31,928
baseline
▲ 0.50% · 4.625%
HK$33,871
+HK$1,943/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,856/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,423
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,320
−HK$909/mo
Today · 4.125%
HK$35,229
baseline
▲ 0.50% · 4.625%
HK$37,086
+HK$1,857/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,458/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,053
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,174
−HK$1,139/mo
Today · 4.125%
HK$38,313
baseline
▲ 0.50% · 4.625%
HK$40,645
+HK$2,332/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,626/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$494,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,108
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,184
−HK$1,091/mo
Today · 4.125%
HK$42,275
baseline
▲ 0.50% · 4.625%
HK$44,503
+HK$2,228/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,550/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$494,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,061
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,370
−HK$1,329/mo
Today · 4.125%
HK$44,699
baseline
▲ 0.50% · 4.625%
HK$47,419
+HK$2,720/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,398/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,793
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,048
−HK$1,273/mo
Today · 4.125%
HK$49,321
baseline
▲ 0.50% · 4.625%
HK$51,921
+HK$2,600/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,642/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,079
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,761
−HK$1,709/mo
Today · 4.125%
HK$57,470
baseline
▲ 0.50% · 4.625%
HK$60,967
+HK$3,497/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$114,940/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,162
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,776
−HK$1,637/mo
Today · 4.125%
HK$63,413
baseline
▲ 0.50% · 4.625%
HK$66,755
+HK$3,342/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$126,826/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,086 · Scale 2, in force from 26 Feb 2026)