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$30,064
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,999
−HK$950/mo
Today · 4.125%
HK$31,949
baseline
▲ 0.50% · 4.625%
HK$33,893
+HK$1,944/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,898/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,445
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,342
−HK$910/mo
Today · 4.125%
HK$35,252
baseline
▲ 0.50% · 4.625%
HK$37,110
+HK$1,858/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,504/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,076
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,198
−HK$1,140/mo
Today · 4.125%
HK$38,338
baseline
▲ 0.50% · 4.625%
HK$40,671
+HK$2,333/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,676/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,134
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,211
−HK$1,092/mo
Today · 4.125%
HK$42,303
baseline
▲ 0.50% · 4.625%
HK$44,533
+HK$2,230/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,606/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,089
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,398
−HK$1,330/mo
Today · 4.125%
HK$44,728
baseline
▲ 0.50% · 4.625%
HK$47,450
+HK$2,722/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,456/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,823
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,079
−HK$1,274/mo
Today · 4.125%
HK$49,353
baseline
▲ 0.50% · 4.625%
HK$51,955
+HK$2,602/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,706/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,114
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,798
−HK$1,710/mo
Today · 4.125%
HK$57,508
baseline
▲ 0.50% · 4.625%
HK$61,007
+HK$3,499/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,016/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,202
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,816
−HK$1,638/mo
Today · 4.125%
HK$63,454
baseline
▲ 0.50% · 4.625%
HK$66,799
+HK$3,345/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,908/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,410 · Scale 2, in force from 26 Feb 2026)