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$30,076
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,012
−HK$950/mo
Today · 4.125%
HK$31,962
baseline
▲ 0.50% · 4.625%
HK$33,907
+HK$1,945/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,924/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,459
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,357
−HK$910/mo
Today · 4.125%
HK$35,267
baseline
▲ 0.50% · 4.625%
HK$37,126
+HK$1,859/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,534/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,091
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,214
−HK$1,141/mo
Today · 4.125%
HK$38,355
baseline
▲ 0.50% · 4.625%
HK$40,688
+HK$2,333/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$76,710/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,151
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,228
−HK$1,093/mo
Today · 4.125%
HK$42,321
baseline
▲ 0.50% · 4.625%
HK$44,551
+HK$2,230/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$84,642/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,107
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,416
−HK$1,331/mo
Today · 4.125%
HK$44,747
baseline
▲ 0.50% · 4.625%
HK$47,470
+HK$2,723/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,494/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,843
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,100
−HK$1,274/mo
Today · 4.125%
HK$49,374
baseline
▲ 0.50% · 4.625%
HK$51,977
+HK$2,603/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,748/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,137
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,821
−HK$1,711/mo
Today · 4.125%
HK$57,532
baseline
▲ 0.50% · 4.625%
HK$61,033
+HK$3,501/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,064/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,227
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,842
−HK$1,639/mo
Today · 4.125%
HK$63,481
baseline
▲ 0.50% · 4.625%
HK$66,827
+HK$3,346/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,962/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,619 · Scale 2, in force from 26 Feb 2026)