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$30,065
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$31,000
−HK$950/mo
Today · 4.125%
HK$31,950
baseline
▲ 0.50% · 4.625%
HK$33,894
+HK$1,944/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,900/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,447
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,344
−HK$910/mo
Today · 4.125%
HK$35,254
baseline
▲ 0.50% · 4.625%
HK$37,112
+HK$1,858/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,508/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,078
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,200
−HK$1,140/mo
Today · 4.125%
HK$38,340
baseline
▲ 0.50% · 4.625%
HK$40,673
+HK$2,333/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,680/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,136
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,213
−HK$1,092/mo
Today · 4.125%
HK$42,305
baseline
▲ 0.50% · 4.625%
HK$44,535
+HK$2,230/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,610/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,091
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$43,400
−HK$1,330/mo
Today · 4.125%
HK$44,730
baseline
▲ 0.50% · 4.625%
HK$47,452
+HK$2,722/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,460/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,826
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,081
−HK$1,274/mo
Today · 4.125%
HK$49,355
baseline
▲ 0.50% · 4.625%
HK$51,957
+HK$2,602/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,710/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,117
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,800
−HK$1,710/mo
Today · 4.125%
HK$57,510
baseline
▲ 0.50% · 4.625%
HK$61,010
+HK$3,500/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,020/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,204
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,819
−HK$1,638/mo
Today · 4.125%
HK$63,457
baseline
▲ 0.50% · 4.625%
HK$66,802
+HK$3,345/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,914/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,432 · Scale 2, in force from 26 Feb 2026)