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$30,073
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,009
−HK$950/mo
Today · 4.125%
HK$31,959
baseline
▲ 0.50% · 4.625%
HK$33,904
+HK$1,945/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,918/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,456
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,354
−HK$910/mo
Today · 4.125%
HK$35,264
baseline
▲ 0.50% · 4.625%
HK$37,123
+HK$1,859/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,528/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,088
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,211
−HK$1,140/mo
Today · 4.125%
HK$38,351
baseline
▲ 0.50% · 4.625%
HK$40,685
+HK$2,334/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$76,702/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,148
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,224
−HK$1,093/mo
Today · 4.125%
HK$42,317
baseline
▲ 0.50% · 4.625%
HK$44,547
+HK$2,230/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$84,634/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,103
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,412
−HK$1,331/mo
Today · 4.125%
HK$44,743
baseline
▲ 0.50% · 4.625%
HK$47,465
+HK$2,722/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,486/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,839
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,095
−HK$1,274/mo
Today · 4.125%
HK$49,369
baseline
▲ 0.50% · 4.625%
HK$51,972
+HK$2,603/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,738/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,132
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,816
−HK$1,711/mo
Today · 4.125%
HK$57,527
baseline
▲ 0.50% · 4.625%
HK$61,027
+HK$3,500/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,054/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,221
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,836
−HK$1,639/mo
Today · 4.125%
HK$63,475
baseline
▲ 0.50% · 4.625%
HK$66,821
+HK$3,346/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,950/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,572 · Scale 2, in force from 26 Feb 2026)