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$30,071
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,006
−HK$951/mo
Today · 4.125%
HK$31,957
baseline
▲ 0.50% · 4.625%
HK$33,901
+HK$1,944/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,914/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,454
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,351
−HK$910/mo
Today · 4.125%
HK$35,261
baseline
▲ 0.50% · 4.625%
HK$37,120
+HK$1,859/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,522/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,085
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,208
−HK$1,140/mo
Today · 4.125%
HK$38,348
baseline
▲ 0.50% · 4.625%
HK$40,681
+HK$2,333/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$76,696/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,144
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,221
−HK$1,092/mo
Today · 4.125%
HK$42,313
baseline
▲ 0.50% · 4.625%
HK$44,544
+HK$2,231/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$84,626/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,099
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,409
−HK$1,330/mo
Today · 4.125%
HK$44,739
baseline
▲ 0.50% · 4.625%
HK$47,462
+HK$2,723/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,478/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,835
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,091
−HK$1,275/mo
Today · 4.125%
HK$49,366
baseline
▲ 0.50% · 4.625%
HK$51,968
+HK$2,602/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,732/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,128
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,812
−HK$1,710/mo
Today · 4.125%
HK$57,522
baseline
▲ 0.50% · 4.625%
HK$61,022
+HK$3,500/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,044/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,217
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,832
−HK$1,638/mo
Today · 4.125%
HK$63,470
baseline
▲ 0.50% · 4.625%
HK$66,816
+HK$3,346/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,940/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,534 · Scale 2, in force from 26 Feb 2026)