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$30,045
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,979
−HK$950/mo
Today · 4.125%
HK$31,929
baseline
▲ 0.50% · 4.625%
HK$33,871
+HK$1,942/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,858/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,424
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,321
−HK$909/mo
Today · 4.125%
HK$35,230
baseline
▲ 0.50% · 4.625%
HK$37,087
+HK$1,857/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,460/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,054
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,175
−HK$1,139/mo
Today · 4.125%
HK$38,314
baseline
▲ 0.50% · 4.625%
HK$40,646
+HK$2,332/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,628/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$494,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,109
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,185
−HK$1,091/mo
Today · 4.125%
HK$42,276
baseline
▲ 0.50% · 4.625%
HK$44,505
+HK$2,229/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,552/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$494,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,062
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,371
−HK$1,329/mo
Today · 4.125%
HK$44,700
baseline
▲ 0.50% · 4.625%
HK$47,420
+HK$2,720/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,400/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,794
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,049
−HK$1,273/mo
Today · 4.125%
HK$49,322
baseline
▲ 0.50% · 4.625%
HK$51,922
+HK$2,600/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,644/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,080
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,763
−HK$1,709/mo
Today · 4.125%
HK$57,472
baseline
▲ 0.50% · 4.625%
HK$60,969
+HK$3,497/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$114,944/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,164
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,777
−HK$1,637/mo
Today · 4.125%
HK$63,414
baseline
▲ 0.50% · 4.625%
HK$66,757
+HK$3,343/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$126,828/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,100 · Scale 2, in force from 26 Feb 2026)