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$30,024
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,957
−HK$949/mo
Today · 4.125%
HK$31,906
baseline
▲ 0.50% · 4.625%
HK$33,848
+HK$1,942/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,812/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,401
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,297
−HK$908/mo
Today · 4.125%
HK$35,205
baseline
▲ 0.50% · 4.625%
HK$37,061
+HK$1,856/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,410/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$493,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,028
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,149
−HK$1,139/mo
Today · 4.125%
HK$38,288
baseline
▲ 0.50% · 4.625%
HK$40,617
+HK$2,329/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$76,576/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,081
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,156
−HK$1,091/mo
Today · 4.125%
HK$42,247
baseline
▲ 0.50% · 4.625%
HK$44,473
+HK$2,226/mo
Deposit HK$5.27M · loan HK$7.90M · min. income ≈ HK$84,494/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,033
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$43,340
−HK$1,329/mo
Today · 4.125%
HK$44,669
baseline
▲ 0.50% · 4.625%
HK$47,387
+HK$2,718/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$89,338/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,761
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$48,015
−HK$1,273/mo
Today · 4.125%
HK$49,288
baseline
▲ 0.50% · 4.625%
HK$51,886
+HK$2,598/mo
Deposit HK$3.95M · loan HK$9.22M · min. income ≈ HK$98,576/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,042
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,723
−HK$1,708/mo
Today · 4.125%
HK$57,431
baseline
▲ 0.50% · 4.625%
HK$60,926
+HK$3,495/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$114,862/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,122
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,734
−HK$1,636/mo
Today · 4.125%
HK$63,370
baseline
▲ 0.50% · 4.625%
HK$66,710
+HK$3,340/mo
Deposit HK$1.32M · loan HK$11.85M · min. income ≈ HK$126,740/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,754 · Scale 2, in force from 26 Feb 2026)