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$30,038
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,973
−HK$949/mo
Today · 4.125%
HK$31,922
baseline
▲ 0.50% · 4.625%
HK$33,864
+HK$1,942/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,844/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,417
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,313
−HK$910/mo
Today · 4.125%
HK$35,223
baseline
▲ 0.50% · 4.625%
HK$37,079
+HK$1,856/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,446/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,046
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,167
−HK$1,139/mo
Today · 4.125%
HK$38,306
baseline
▲ 0.50% · 4.625%
HK$40,637
+HK$2,331/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,612/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,101
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,176
−HK$1,091/mo
Today · 4.125%
HK$42,267
baseline
▲ 0.50% · 4.625%
HK$44,495
+HK$2,228/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,534/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,054
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,362
−HK$1,329/mo
Today · 4.125%
HK$44,691
baseline
▲ 0.50% · 4.625%
HK$47,410
+HK$2,719/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,382/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$493,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,784
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$48,039
−HK$1,273/mo
Today · 4.125%
HK$49,312
baseline
▲ 0.50% · 4.625%
HK$51,911
+HK$2,599/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,624/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$493,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,069
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,751
−HK$1,708/mo
Today · 4.125%
HK$57,459
baseline
▲ 0.50% · 4.625%
HK$60,956
+HK$3,497/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$114,918/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,151
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,764
−HK$1,637/mo
Today · 4.125%
HK$63,401
baseline
▲ 0.50% · 4.625%
HK$66,743
+HK$3,342/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$126,802/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,995 · Scale 2, in force from 26 Feb 2026)