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$30,061
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$30,997
−HK$950/mo
Today · 4.125%
HK$31,947
baseline
▲ 0.50% · 4.625%
HK$33,890
+HK$1,943/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,894/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,443
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,340
−HK$910/mo
Today · 4.125%
HK$35,250
baseline
▲ 0.50% · 4.625%
HK$37,108
+HK$1,858/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,500/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,074
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,196
−HK$1,140/mo
Today · 4.125%
HK$38,336
baseline
▲ 0.50% · 4.625%
HK$40,669
+HK$2,333/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,672/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,132
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$41,208
−HK$1,092/mo
Today · 4.125%
HK$42,300
baseline
▲ 0.50% · 4.625%
HK$44,530
+HK$2,230/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,600/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,086
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,395
−HK$1,330/mo
Today · 4.125%
HK$44,725
baseline
▲ 0.50% · 4.625%
HK$47,447
+HK$2,722/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,450/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,820
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,076
−HK$1,274/mo
Today · 4.125%
HK$49,350
baseline
▲ 0.50% · 4.625%
HK$51,951
+HK$2,601/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,700/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,111
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,794
−HK$1,710/mo
Today · 4.125%
HK$57,504
baseline
▲ 0.50% · 4.625%
HK$61,003
+HK$3,499/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,008/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,197
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,812
−HK$1,638/mo
Today · 4.125%
HK$63,450
baseline
▲ 0.50% · 4.625%
HK$66,794
+HK$3,344/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,900/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,376 · Scale 2, in force from 26 Feb 2026)