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$30,016
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,950
−HK$949/mo
Today · 4.125%
HK$31,899
baseline
▲ 0.50% · 4.625%
HK$33,840
+HK$1,941/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,798/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,393
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,289
−HK$908/mo
Today · 4.125%
HK$35,197
baseline
▲ 0.50% · 4.625%
HK$37,052
+HK$1,855/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,394/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,020
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,140
−HK$1,138/mo
Today · 4.125%
HK$38,278
baseline
▲ 0.50% · 4.625%
HK$40,608
+HK$2,330/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,556/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,072
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,146
−HK$1,091/mo
Today · 4.125%
HK$42,237
baseline
▲ 0.50% · 4.625%
HK$44,463
+HK$2,226/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,474/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,023
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,330
−HK$1,328/mo
Today · 4.125%
HK$44,658
baseline
▲ 0.50% · 4.625%
HK$47,376
+HK$2,718/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,316/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,750
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,004
−HK$1,272/mo
Today · 4.125%
HK$49,276
baseline
▲ 0.50% · 4.625%
HK$51,873
+HK$2,597/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,552/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,030
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,710
−HK$1,708/mo
Today · 4.125%
HK$57,418
baseline
▲ 0.50% · 4.625%
HK$60,911
+HK$3,493/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,836/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,107
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,719
−HK$1,636/mo
Today · 4.125%
HK$63,355
baseline
▲ 0.50% · 4.625%
HK$66,694
+HK$3,339/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,710/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,637 · Scale 2, in force from 26 Feb 2026)