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$30,014
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,948
−HK$948/mo
Today · 4.125%
HK$31,896
baseline
▲ 0.50% · 4.625%
HK$33,837
+HK$1,941/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,792/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,391
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,286
−HK$909/mo
Today · 4.125%
HK$35,195
baseline
▲ 0.50% · 4.625%
HK$37,050
+HK$1,855/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,390/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,017
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,138
−HK$1,138/mo
Today · 4.125%
HK$38,276
baseline
▲ 0.50% · 4.625%
HK$40,605
+HK$2,329/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,552/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,069
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,143
−HK$1,091/mo
Today · 4.125%
HK$42,234
baseline
▲ 0.50% · 4.625%
HK$44,460
+HK$2,226/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,468/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,020
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,327
−HK$1,328/mo
Today · 4.125%
HK$44,655
baseline
▲ 0.50% · 4.625%
HK$47,372
+HK$2,717/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,310/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,747
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$48,001
−HK$1,271/mo
Today · 4.125%
HK$49,272
baseline
▲ 0.50% · 4.625%
HK$51,870
+HK$2,598/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,544/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,026
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,706
−HK$1,708/mo
Today · 4.125%
HK$57,414
baseline
▲ 0.50% · 4.625%
HK$60,907
+HK$3,493/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,828/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,103
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,715
−HK$1,635/mo
Today · 4.125%
HK$63,350
baseline
▲ 0.50% · 4.625%
HK$66,690
+HK$3,340/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,700/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,602 · Scale 2, in force from 26 Feb 2026)