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$30,026
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,960
−HK$949/mo
Today · 4.125%
HK$31,909
baseline
▲ 0.50% · 4.625%
HK$33,851
+HK$1,942/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,818/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,404
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,300
−HK$909/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$493,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,032
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,152
−HK$1,139/mo
Today · 4.125%
HK$38,291
baseline
▲ 0.50% · 4.625%
HK$40,621
+HK$2,330/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,582/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,085
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,160
−HK$1,090/mo
Today · 4.125%
HK$42,250
baseline
▲ 0.50% · 4.625%
HK$44,478
+HK$2,228/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,500/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,037
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,344
−HK$1,329/mo
Today · 4.125%
HK$44,673
baseline
▲ 0.50% · 4.625%
HK$47,391
+HK$2,718/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,346/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,766
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,020
−HK$1,272/mo
Today · 4.125%
HK$49,292
baseline
▲ 0.50% · 4.625%
HK$51,890
+HK$2,598/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,584/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,047
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,729
−HK$1,708/mo
Today · 4.125%
HK$57,437
baseline
▲ 0.50% · 4.625%
HK$60,932
+HK$3,495/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,874/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,127
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,740
−HK$1,636/mo
Today · 4.125%
HK$63,376
baseline
▲ 0.50% · 4.625%
HK$66,716
+HK$3,340/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,752/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,799 · Scale 2, in force from 26 Feb 2026)