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$30,032
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,966
−HK$950/mo
Today · 4.125%
HK$31,916
baseline
▲ 0.50% · 4.625%
HK$33,858
+HK$1,942/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,832/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,411
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,307
−HK$909/mo
Today · 4.125%
HK$35,216
baseline
▲ 0.50% · 4.625%
HK$37,072
+HK$1,856/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,432/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,039
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,160
−HK$1,139/mo
Today · 4.125%
HK$38,299
baseline
▲ 0.50% · 4.625%
HK$40,629
+HK$2,330/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,598/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,093
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,168
−HK$1,091/mo
Today · 4.125%
HK$42,259
baseline
▲ 0.50% · 4.625%
HK$44,486
+HK$2,227/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,518/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,045
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$43,353
−HK$1,329/mo
Today · 4.125%
HK$44,682
baseline
▲ 0.50% · 4.625%
HK$47,401
+HK$2,719/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,364/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$493,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,775
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,029
−HK$1,273/mo
Today · 4.125%
HK$49,302
baseline
▲ 0.50% · 4.625%
HK$51,901
+HK$2,599/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,604/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$493,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,058
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,740
−HK$1,708/mo
Today · 4.125%
HK$57,448
baseline
▲ 0.50% · 4.625%
HK$60,944
+HK$3,496/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,896/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,139
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,752
−HK$1,636/mo
Today · 4.125%
HK$63,388
baseline
▲ 0.50% · 4.625%
HK$66,729
+HK$3,341/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,776/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,896 · Scale 2, in force from 26 Feb 2026)