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$29,996
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,929
−HK$948/mo
Today · 4.125%
HK$31,877
baseline
▲ 0.50% · 4.625%
HK$33,816
+HK$1,939/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,754/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,370
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,265
−HK$908/mo
Today · 4.125%
HK$35,173
baseline
▲ 0.50% · 4.625%
HK$37,027
+HK$1,854/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,346/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,995
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,114
−HK$1,138/mo
Today · 4.125%
HK$38,252
baseline
▲ 0.50% · 4.625%
HK$40,580
+HK$2,328/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,504/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,044
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,118
−HK$1,089/mo
Today · 4.125%
HK$42,207
baseline
▲ 0.50% · 4.625%
HK$44,432
+HK$2,225/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,414/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,994
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,300
−HK$1,327/mo
Today · 4.125%
HK$44,627
baseline
▲ 0.50% · 4.625%
HK$47,343
+HK$2,716/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,254/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,718
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,971
−HK$1,271/mo
Today · 4.125%
HK$49,242
baseline
▲ 0.50% · 4.625%
HK$51,837
+HK$2,595/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,484/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,992
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,672
−HK$1,706/mo
Today · 4.125%
HK$57,378
baseline
▲ 0.50% · 4.625%
HK$60,869
+HK$3,491/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,756/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,066
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,677
−HK$1,634/mo
Today · 4.125%
HK$63,311
baseline
▲ 0.50% · 4.625%
HK$66,648
+HK$3,337/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,622/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,295 · Scale 2, in force from 26 Feb 2026)