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$30,240
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,181
−HK$956/mo
Today · 4.125%
HK$32,137
baseline
▲ 0.50% · 4.625%
HK$34,092
+HK$1,955/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,274/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,642
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,544
−HK$916/mo
Today · 4.125%
HK$35,460
baseline
▲ 0.50% · 4.625%
HK$37,329
+HK$1,869/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,920/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,288
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,417
−HK$1,147/mo
Today · 4.125%
HK$38,564
baseline
▲ 0.50% · 4.625%
HK$40,910
+HK$2,346/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$77,128/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,370
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,453
−HK$1,098/mo
Today · 4.125%
HK$42,551
baseline
▲ 0.50% · 4.625%
HK$44,794
+HK$2,243/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$85,102/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,336
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,653
−HK$1,338/mo
Today · 4.125%
HK$44,991
baseline
▲ 0.50% · 4.625%
HK$47,729
+HK$2,738/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,982/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,099
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,362
−HK$1,281/mo
Today · 4.125%
HK$49,643
baseline
▲ 0.50% · 4.625%
HK$52,260
+HK$2,617/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,286/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,432
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,126
−HK$1,720/mo
Today · 4.125%
HK$57,846
baseline
▲ 0.50% · 4.625%
HK$61,366
+HK$3,520/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,692/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,556
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,180
−HK$1,647/mo
Today · 4.125%
HK$63,827
baseline
▲ 0.50% · 4.625%
HK$67,192
+HK$3,365/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,654/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,317 · Scale 2, in force from 26 Feb 2026)