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$30,133
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,071
−HK$952/mo
Today · 4.125%
HK$32,023
baseline
▲ 0.50% · 4.625%
HK$33,971
+HK$1,948/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,046/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,523
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,422
−HK$912/mo
Today · 4.125%
HK$35,334
baseline
▲ 0.50% · 4.625%
HK$37,197
+HK$1,863/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,668/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,160
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,285
−HK$1,143/mo
Today · 4.125%
HK$38,428
baseline
▲ 0.50% · 4.625%
HK$40,766
+HK$2,338/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,856/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,228
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,306
−HK$1,095/mo
Today · 4.125%
HK$42,401
baseline
▲ 0.50% · 4.625%
HK$44,636
+HK$2,235/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,802/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,187
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,499
−HK$1,333/mo
Today · 4.125%
HK$44,832
baseline
▲ 0.50% · 4.625%
HK$47,560
+HK$2,728/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$89,664/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,932
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,191
−HK$1,277/mo
Today · 4.125%
HK$49,468
baseline
▲ 0.50% · 4.625%
HK$52,075
+HK$2,607/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$98,936/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,240
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,927
−HK$1,714/mo
Today · 4.125%
HK$57,641
baseline
▲ 0.50% · 4.625%
HK$61,149
+HK$3,508/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,282/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,341
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,960
−HK$1,641/mo
Today · 4.125%
HK$63,601
baseline
▲ 0.50% · 4.625%
HK$66,954
+HK$3,353/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,202/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,558 · Scale 2, in force from 26 Feb 2026)