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$30,004
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,937
−HK$948/mo
Today · 4.125%
HK$31,885
baseline
▲ 0.50% · 4.625%
HK$33,825
+HK$1,940/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,770/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,379
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,274
−HK$908/mo
Today · 4.125%
HK$35,182
baseline
▲ 0.50% · 4.625%
HK$37,037
+HK$1,855/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,364/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,004
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,124
−HK$1,138/mo
Today · 4.125%
HK$38,262
baseline
▲ 0.50% · 4.625%
HK$40,590
+HK$2,328/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,524/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,055
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,129
−HK$1,090/mo
Today · 4.125%
HK$42,219
baseline
▲ 0.50% · 4.625%
HK$44,444
+HK$2,225/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,438/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,005
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,312
−HK$1,327/mo
Today · 4.125%
HK$44,639
baseline
▲ 0.50% · 4.625%
HK$47,355
+HK$2,716/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,278/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,730
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$47,984
−HK$1,271/mo
Today · 4.125%
HK$49,255
baseline
▲ 0.50% · 4.625%
HK$51,851
+HK$2,596/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,510/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,007
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,686
−HK$1,707/mo
Today · 4.125%
HK$57,393
baseline
▲ 0.50% · 4.625%
HK$60,885
+HK$3,492/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,786/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,082
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,693
−HK$1,635/mo
Today · 4.125%
HK$63,328
baseline
▲ 0.50% · 4.625%
HK$66,666
+HK$3,338/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,656/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,426 · Scale 2, in force from 26 Feb 2026)