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$30,251
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,192
−HK$956/mo
Today · 4.125%
HK$32,148
baseline
▲ 0.50% · 4.625%
HK$34,104
+HK$1,956/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,296/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,654
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,556
−HK$916/mo
Today · 4.125%
HK$35,472
baseline
▲ 0.50% · 4.625%
HK$37,342
+HK$1,870/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,944/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,301
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,430
−HK$1,147/mo
Today · 4.125%
HK$38,577
baseline
▲ 0.50% · 4.625%
HK$40,925
+HK$2,348/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,154/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,384
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,467
−HK$1,099/mo
Today · 4.125%
HK$42,566
baseline
▲ 0.50% · 4.625%
HK$44,810
+HK$2,244/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,132/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,351
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,668
−HK$1,339/mo
Today · 4.125%
HK$45,007
baseline
▲ 0.50% · 4.625%
HK$47,745
+HK$2,738/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,014/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,115
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,379
−HK$1,282/mo
Today · 4.125%
HK$49,661
baseline
▲ 0.50% · 4.625%
HK$52,278
+HK$2,617/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,322/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,451
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,145
−HK$1,721/mo
Today · 4.125%
HK$57,866
baseline
▲ 0.50% · 4.625%
HK$61,387
+HK$3,521/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,732/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,577
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,201
−HK$1,648/mo
Today · 4.125%
HK$63,849
baseline
▲ 0.50% · 4.625%
HK$67,215
+HK$3,366/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,698/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,489 · Scale 2, in force from 26 Feb 2026)