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$30,000
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,933
−HK$949/mo
Today · 4.125%
HK$31,882
baseline
▲ 0.50% · 4.625%
HK$33,821
+HK$1,939/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$63,764/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,375
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,270
−HK$908/mo
Today · 4.125%
HK$35,178
baseline
▲ 0.50% · 4.625%
HK$37,032
+HK$1,854/mo
Deposit HK$6.58M · loan HK$6.58M · min. income ≈ HK$70,356/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,000
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$37,120
−HK$1,138/mo
Today · 4.125%
HK$38,258
baseline
▲ 0.50% · 4.625%
HK$40,586
+HK$2,328/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,516/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,050
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,124
−HK$1,090/mo
Today · 4.125%
HK$42,214
baseline
▲ 0.50% · 4.625%
HK$44,439
+HK$2,225/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,428/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$493,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,000
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$43,307
−HK$1,327/mo
Today · 4.125%
HK$44,634
baseline
▲ 0.50% · 4.625%
HK$47,350
+HK$2,716/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$89,268/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,725
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$47,978
−HK$1,271/mo
Today · 4.125%
HK$49,249
baseline
▲ 0.50% · 4.625%
HK$51,845
+HK$2,596/mo
Deposit HK$3.95M · loan HK$9.21M · min. income ≈ HK$98,498/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,000
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,680
−HK$1,707/mo
Today · 4.125%
HK$57,387
baseline
▲ 0.50% · 4.625%
HK$60,879
+HK$3,492/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$114,774/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,075
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,686
−HK$1,635/mo
Today · 4.125%
HK$63,321
baseline
▲ 0.50% · 4.625%
HK$66,658
+HK$3,337/mo
Deposit HK$1.32M · loan HK$11.84M · min. income ≈ HK$126,642/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,370 · Scale 2, in force from 26 Feb 2026)