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$30,155
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,093
−HK$953/mo
Today · 4.125%
HK$32,046
baseline
▲ 0.50% · 4.625%
HK$33,996
+HK$1,950/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,092/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,548
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,447
−HK$913/mo
Today · 4.125%
HK$35,360
baseline
▲ 0.50% · 4.625%
HK$37,224
+HK$1,864/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,720/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,186
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,312
−HK$1,144/mo
Today · 4.125%
HK$38,456
baseline
▲ 0.50% · 4.625%
HK$40,796
+HK$2,340/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,912/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$495,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,257
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,337
−HK$1,095/mo
Today · 4.125%
HK$42,432
baseline
▲ 0.50% · 4.625%
HK$44,669
+HK$2,237/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,864/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$495,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,218
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,531
−HK$1,334/mo
Today · 4.125%
HK$44,865
baseline
▲ 0.50% · 4.625%
HK$47,595
+HK$2,730/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,730/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,967
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,226
−HK$1,278/mo
Today · 4.125%
HK$49,504
baseline
▲ 0.50% · 4.625%
HK$52,113
+HK$2,609/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,008/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,280
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,968
−HK$1,715/mo
Today · 4.125%
HK$57,683
baseline
▲ 0.50% · 4.625%
HK$61,193
+HK$3,510/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,366/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,386
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$62,005
−HK$1,643/mo
Today · 4.125%
HK$63,648
baseline
▲ 0.50% · 4.625%
HK$67,003
+HK$3,355/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,296/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,921 · Scale 2, in force from 26 Feb 2026)