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$30,074
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,009
−HK$951/mo
Today · 4.125%
HK$31,960
baseline
▲ 0.50% · 4.625%
HK$33,904
+HK$1,944/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,920/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,457
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,354
−HK$910/mo
Today · 4.125%
HK$35,264
baseline
▲ 0.50% · 4.625%
HK$37,123
+HK$1,859/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,528/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,088
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,211
−HK$1,140/mo
Today · 4.125%
HK$38,351
baseline
▲ 0.50% · 4.625%
HK$40,685
+HK$2,334/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$76,702/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,148
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,225
−HK$1,092/mo
Today · 4.125%
HK$42,317
baseline
▲ 0.50% · 4.625%
HK$44,548
+HK$2,231/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$84,634/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,103
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,413
−HK$1,330/mo
Today · 4.125%
HK$44,743
baseline
▲ 0.50% · 4.625%
HK$47,466
+HK$2,723/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,486/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,839
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,096
−HK$1,274/mo
Today · 4.125%
HK$49,370
baseline
▲ 0.50% · 4.625%
HK$51,972
+HK$2,602/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,740/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,133
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,816
−HK$1,711/mo
Today · 4.125%
HK$57,527
baseline
▲ 0.50% · 4.625%
HK$61,028
+HK$3,501/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,054/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,222
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,837
−HK$1,639/mo
Today · 4.125%
HK$63,476
baseline
▲ 0.50% · 4.625%
HK$66,821
+HK$3,345/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,952/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,577 · Scale 2, in force from 26 Feb 2026)