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$30,237
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,178
−HK$955/mo
Today · 4.125%
HK$32,133
baseline
▲ 0.50% · 4.625%
HK$34,088
+HK$1,955/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,266/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,638
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,541
−HK$915/mo
Today · 4.125%
HK$35,456
baseline
▲ 0.50% · 4.625%
HK$37,325
+HK$1,869/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,912/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,285
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,413
−HK$1,147/mo
Today · 4.125%
HK$38,560
baseline
▲ 0.50% · 4.625%
HK$40,906
+HK$2,346/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$77,120/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,366
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,449
−HK$1,098/mo
Today · 4.125%
HK$42,547
baseline
▲ 0.50% · 4.625%
HK$44,790
+HK$2,243/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$85,094/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,332
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,649
−HK$1,338/mo
Today · 4.125%
HK$44,987
baseline
▲ 0.50% · 4.625%
HK$47,724
+HK$2,737/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,974/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,094
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,357
−HK$1,281/mo
Today · 4.125%
HK$49,638
baseline
▲ 0.50% · 4.625%
HK$52,255
+HK$2,617/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,276/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,427
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,120
−HK$1,720/mo
Today · 4.125%
HK$57,840
baseline
▲ 0.50% · 4.625%
HK$61,359
+HK$3,519/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,680/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,549
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,173
−HK$1,648/mo
Today · 4.125%
HK$63,821
baseline
▲ 0.50% · 4.625%
HK$67,185
+HK$3,364/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,642/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,265 · Scale 2, in force from 26 Feb 2026)