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$30,031
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,965
−HK$949/mo
Today · 4.125%
HK$31,914
baseline
▲ 0.50% · 4.625%
HK$33,856
+HK$1,942/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,828/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,409
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,305
−HK$909/mo
Today · 4.125%
HK$35,214
baseline
▲ 0.50% · 4.625%
HK$37,071
+HK$1,857/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,428/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,037
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,158
−HK$1,139/mo
Today · 4.125%
HK$38,297
baseline
▲ 0.50% · 4.625%
HK$40,628
+HK$2,331/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,594/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,091
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,167
−HK$1,090/mo
Today · 4.125%
HK$42,257
baseline
▲ 0.50% · 4.625%
HK$44,485
+HK$2,228/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,514/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,044
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,351
−HK$1,329/mo
Today · 4.125%
HK$44,680
baseline
▲ 0.50% · 4.625%
HK$47,399
+HK$2,719/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,360/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,773
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,028
−HK$1,272/mo
Today · 4.125%
HK$49,300
baseline
▲ 0.50% · 4.625%
HK$51,899
+HK$2,599/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,600/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,056
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,738
−HK$1,708/mo
Today · 4.125%
HK$57,446
baseline
▲ 0.50% · 4.625%
HK$60,941
+HK$3,495/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,892/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,137
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,750
−HK$1,636/mo
Today · 4.125%
HK$63,386
baseline
▲ 0.50% · 4.625%
HK$66,727
+HK$3,341/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,772/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,879 · Scale 2, in force from 26 Feb 2026)