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$30,008
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,941
−HK$948/mo
Today · 4.125%
HK$31,889
baseline
▲ 0.50% · 4.625%
HK$33,830
+HK$1,941/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,778/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,383
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,279
−HK$908/mo
Today · 4.125%
HK$35,187
baseline
▲ 0.50% · 4.625%
HK$37,042
+HK$1,855/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,374/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,009
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,129
−HK$1,138/mo
Today · 4.125%
HK$38,267
baseline
▲ 0.50% · 4.625%
HK$40,596
+HK$2,329/mo
Deposit HK$5.26M · loan HK$7.90M · min. income ≈ HK$76,534/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,060
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,134
−HK$1,090/mo
Today · 4.125%
HK$42,224
baseline
▲ 0.50% · 4.625%
HK$44,450
+HK$2,226/mo
Deposit HK$5.26M · loan HK$7.90M · min. income ≈ HK$84,448/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,011
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,317
−HK$1,328/mo
Today · 4.125%
HK$44,645
baseline
▲ 0.50% · 4.625%
HK$47,362
+HK$2,717/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,290/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,736
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$47,990
−HK$1,272/mo
Today · 4.125%
HK$49,262
baseline
▲ 0.50% · 4.625%
HK$51,858
+HK$2,596/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,524/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,014
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,694
−HK$1,707/mo
Today · 4.125%
HK$57,401
baseline
▲ 0.50% · 4.625%
HK$60,894
+HK$3,493/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,802/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,090
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,701
−HK$1,635/mo
Today · 4.125%
HK$63,336
baseline
▲ 0.50% · 4.625%
HK$66,675
+HK$3,339/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,672/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,492 · Scale 2, in force from 26 Feb 2026)