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$30,069
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,004
−HK$951/mo
Today · 4.125%
HK$31,955
baseline
▲ 0.50% · 4.625%
HK$33,899
+HK$1,944/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,910/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,452
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,349
−HK$910/mo
Today · 4.125%
HK$35,259
baseline
▲ 0.50% · 4.625%
HK$37,117
+HK$1,858/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,518/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,083
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,205
−HK$1,141/mo
Today · 4.125%
HK$38,346
baseline
▲ 0.50% · 4.625%
HK$40,679
+HK$2,333/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,692/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,142
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,219
−HK$1,092/mo
Today · 4.125%
HK$42,311
baseline
▲ 0.50% · 4.625%
HK$44,541
+HK$2,230/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,622/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,097
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,406
−HK$1,331/mo
Today · 4.125%
HK$44,737
baseline
▲ 0.50% · 4.625%
HK$47,459
+HK$2,722/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,474/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,832
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,088
−HK$1,274/mo
Today · 4.125%
HK$49,362
baseline
▲ 0.50% · 4.625%
HK$51,964
+HK$2,602/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,724/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,124
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,808
−HK$1,711/mo
Today · 4.125%
HK$57,519
baseline
▲ 0.50% · 4.625%
HK$61,018
+HK$3,499/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,038/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,213
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,828
−HK$1,638/mo
Today · 4.125%
HK$63,466
baseline
▲ 0.50% · 4.625%
HK$66,811
+HK$3,345/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,932/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,503 · Scale 2, in force from 26 Feb 2026)