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$30,070
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,006
−HK$950/mo
Today · 4.125%
HK$31,956
baseline
▲ 0.50% · 4.625%
HK$33,900
+HK$1,944/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,912/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,453
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,350
−HK$910/mo
Today · 4.125%
HK$35,260
baseline
▲ 0.50% · 4.625%
HK$37,119
+HK$1,859/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,520/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,084
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,207
−HK$1,140/mo
Today · 4.125%
HK$38,347
baseline
▲ 0.50% · 4.625%
HK$40,680
+HK$2,333/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,694/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,143
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,220
−HK$1,092/mo
Today · 4.125%
HK$42,312
baseline
▲ 0.50% · 4.625%
HK$44,542
+HK$2,230/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,624/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,098
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$43,408
−HK$1,330/mo
Today · 4.125%
HK$44,738
baseline
▲ 0.50% · 4.625%
HK$47,460
+HK$2,722/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,476/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,834
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$48,090
−HK$1,274/mo
Today · 4.125%
HK$49,364
baseline
▲ 0.50% · 4.625%
HK$51,966
+HK$2,602/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,728/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,126
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,810
−HK$1,711/mo
Today · 4.125%
HK$57,521
baseline
▲ 0.50% · 4.625%
HK$61,020
+HK$3,499/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,042/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,215
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,830
−HK$1,638/mo
Today · 4.125%
HK$63,468
baseline
▲ 0.50% · 4.625%
HK$66,814
+HK$3,346/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,936/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,520 · Scale 2, in force from 26 Feb 2026)