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$30,213
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,153
−HK$955/mo
Today · 4.125%
HK$32,108
baseline
▲ 0.50% · 4.625%
HK$34,062
+HK$1,954/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,216/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,612
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,514
−HK$914/mo
Today · 4.125%
HK$35,428
baseline
▲ 0.50% · 4.625%
HK$37,296
+HK$1,868/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,856/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,256
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,384
−HK$1,146/mo
Today · 4.125%
HK$38,530
baseline
▲ 0.50% · 4.625%
HK$40,874
+HK$2,344/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,060/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,335
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,416
−HK$1,098/mo
Today · 4.125%
HK$42,514
baseline
▲ 0.50% · 4.625%
HK$44,755
+HK$2,241/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,028/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,299
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,615
−HK$1,336/mo
Today · 4.125%
HK$44,951
baseline
▲ 0.50% · 4.625%
HK$47,686
+HK$2,735/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,902/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,057
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,319
−HK$1,280/mo
Today · 4.125%
HK$49,599
baseline
▲ 0.50% · 4.625%
HK$52,214
+HK$2,615/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,198/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,384
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,076
−HK$1,719/mo
Today · 4.125%
HK$57,795
baseline
▲ 0.50% · 4.625%
HK$61,311
+HK$3,516/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,590/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,502
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,124
−HK$1,647/mo
Today · 4.125%
HK$63,771
baseline
▲ 0.50% · 4.625%
HK$67,132
+HK$3,361/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,542/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,876 · Scale 2, in force from 26 Feb 2026)