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$30,027
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,961
−HK$949/mo
Today · 4.125%
HK$31,910
baseline
▲ 0.50% · 4.625%
HK$33,852
+HK$1,942/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,820/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,405
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,301
−HK$908/mo
Today · 4.125%
HK$35,209
baseline
▲ 0.50% · 4.625%
HK$37,065
+HK$1,856/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,418/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,032
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,153
−HK$1,139/mo
Today · 4.125%
HK$38,292
baseline
▲ 0.50% · 4.625%
HK$40,622
+HK$2,330/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,584/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,086
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,161
−HK$1,090/mo
Today · 4.125%
HK$42,251
baseline
▲ 0.50% · 4.625%
HK$44,478
+HK$2,227/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,502/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,038
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,345
−HK$1,329/mo
Today · 4.125%
HK$44,674
baseline
▲ 0.50% · 4.625%
HK$47,392
+HK$2,718/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,348/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,767
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,021
−HK$1,272/mo
Today · 4.125%
HK$49,293
baseline
▲ 0.50% · 4.625%
HK$51,892
+HK$2,599/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,586/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,049
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,730
−HK$1,708/mo
Today · 4.125%
HK$57,438
baseline
▲ 0.50% · 4.625%
HK$60,933
+HK$3,495/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,876/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,128
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,741
−HK$1,636/mo
Today · 4.125%
HK$63,377
baseline
▲ 0.50% · 4.625%
HK$66,718
+HK$3,341/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,754/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,810 · Scale 2, in force from 26 Feb 2026)