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$30,252
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,193
−HK$956/mo
Today · 4.125%
HK$32,149
baseline
▲ 0.50% · 4.625%
HK$34,105
+HK$1,956/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,298/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,655
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,558
−HK$915/mo
Today · 4.125%
HK$35,473
baseline
▲ 0.50% · 4.625%
HK$37,343
+HK$1,870/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,946/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,303
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,432
−HK$1,147/mo
Today · 4.125%
HK$38,579
baseline
▲ 0.50% · 4.625%
HK$40,927
+HK$2,348/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,158/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,386
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,469
−HK$1,099/mo
Today · 4.125%
HK$42,568
baseline
▲ 0.50% · 4.625%
HK$44,812
+HK$2,244/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,136/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,353
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,670
−HK$1,339/mo
Today · 4.125%
HK$45,009
baseline
▲ 0.50% · 4.625%
HK$47,748
+HK$2,739/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,018/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,117
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,381
−HK$1,282/mo
Today · 4.125%
HK$49,663
baseline
▲ 0.50% · 4.625%
HK$52,281
+HK$2,618/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,326/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,454
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,148
−HK$1,721/mo
Today · 4.125%
HK$57,869
baseline
▲ 0.50% · 4.625%
HK$61,390
+HK$3,521/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,738/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,579
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,204
−HK$1,648/mo
Today · 4.125%
HK$63,852
baseline
▲ 0.50% · 4.625%
HK$67,218
+HK$3,366/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,704/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,513 · Scale 2, in force from 26 Feb 2026)