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$30,052
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,987
−HK$949/mo
Today · 4.125%
HK$31,936
baseline
▲ 0.50% · 4.625%
HK$33,880
+HK$1,944/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$63,872/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,432
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,329
−HK$910/mo
Today · 4.125%
HK$35,239
baseline
▲ 0.50% · 4.625%
HK$37,096
+HK$1,857/mo
Deposit HK$6.59M · loan HK$6.59M · min. income ≈ HK$70,478/mo (50% DSR)
Upfront cash ≈ HK$7.08M (deposit + AVD stamp duty HK$494,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,062
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,184
−HK$1,140/mo
Today · 4.125%
HK$38,324
baseline
▲ 0.50% · 4.625%
HK$40,656
+HK$2,332/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$76,648/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,119
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,195
−HK$1,091/mo
Today · 4.125%
HK$42,286
baseline
▲ 0.50% · 4.625%
HK$44,515
+HK$2,229/mo
Deposit HK$5.27M · loan HK$7.91M · min. income ≈ HK$84,572/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,073
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$43,381
−HK$1,330/mo
Today · 4.125%
HK$44,711
baseline
▲ 0.50% · 4.625%
HK$47,431
+HK$2,720/mo
Deposit HK$3.95M · loan HK$9.23M · min. income ≈ HK$89,422/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,805
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$48,061
−HK$1,273/mo
Today · 4.125%
HK$49,334
baseline
▲ 0.50% · 4.625%
HK$51,935
+HK$2,601/mo
Deposit HK$3.95M · loan HK$9.23M · min. income ≈ HK$98,668/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,093
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,776
−HK$1,709/mo
Today · 4.125%
HK$57,485
baseline
▲ 0.50% · 4.625%
HK$60,983
+HK$3,498/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$114,970/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,178
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,792
−HK$1,638/mo
Today · 4.125%
HK$63,430
baseline
▲ 0.50% · 4.625%
HK$66,773
+HK$3,343/mo
Deposit HK$1.32M · loan HK$11.86M · min. income ≈ HK$126,860/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,219 · Scale 2, in force from 26 Feb 2026)