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$29,997
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,930
−HK$948/mo
Today · 4.125%
HK$31,878
baseline
▲ 0.50% · 4.625%
HK$33,818
+HK$1,940/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,756/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,371
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,266
−HK$908/mo
Today · 4.125%
HK$35,174
baseline
▲ 0.50% · 4.625%
HK$37,028
+HK$1,854/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,348/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,996
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,116
−HK$1,138/mo
Today · 4.125%
HK$38,254
baseline
▲ 0.50% · 4.625%
HK$40,581
+HK$2,327/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,508/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,046
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,120
−HK$1,089/mo
Today · 4.125%
HK$42,209
baseline
▲ 0.50% · 4.625%
HK$44,434
+HK$2,225/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,418/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,996
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$43,302
−HK$1,327/mo
Today · 4.125%
HK$44,629
baseline
▲ 0.50% · 4.625%
HK$47,345
+HK$2,716/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,258/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,720
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,973
−HK$1,271/mo
Today · 4.125%
HK$49,244
baseline
▲ 0.50% · 4.625%
HK$51,840
+HK$2,596/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,488/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,995
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,674
−HK$1,707/mo
Today · 4.125%
HK$57,381
baseline
▲ 0.50% · 4.625%
HK$60,872
+HK$3,491/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,762/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,069
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,680
−HK$1,634/mo
Today · 4.125%
HK$63,314
baseline
▲ 0.50% · 4.625%
HK$66,651
+HK$3,337/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,628/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,318 · Scale 2, in force from 26 Feb 2026)