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$30,025
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,959
−HK$949/mo
Today · 4.125%
HK$31,908
baseline
▲ 0.50% · 4.625%
HK$33,849
+HK$1,941/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,816/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,402
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,298
−HK$909/mo
Today · 4.125%
HK$35,207
baseline
▲ 0.50% · 4.625%
HK$37,063
+HK$1,856/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,414/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,030
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,150
−HK$1,139/mo
Today · 4.125%
HK$38,289
baseline
▲ 0.50% · 4.625%
HK$40,619
+HK$2,330/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,578/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,083
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,158
−HK$1,090/mo
Today · 4.125%
HK$42,248
baseline
▲ 0.50% · 4.625%
HK$44,475
+HK$2,227/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,496/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,035
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,342
−HK$1,329/mo
Today · 4.125%
HK$44,671
baseline
▲ 0.50% · 4.625%
HK$47,389
+HK$2,718/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,342/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,763
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,017
−HK$1,273/mo
Today · 4.125%
HK$49,290
baseline
▲ 0.50% · 4.625%
HK$51,888
+HK$2,598/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,580/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,045
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,726
−HK$1,708/mo
Today · 4.125%
HK$57,434
baseline
▲ 0.50% · 4.625%
HK$60,928
+HK$3,494/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,868/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,124
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,737
−HK$1,635/mo
Today · 4.125%
HK$63,372
baseline
▲ 0.50% · 4.625%
HK$66,713
+HK$3,341/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,744/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,774 · Scale 2, in force from 26 Feb 2026)