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$30,147
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,085
−HK$952/mo
Today · 4.125%
HK$32,037
baseline
▲ 0.50% · 4.625%
HK$33,987
+HK$1,950/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,074/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,538
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,438
−HK$912/mo
Today · 4.125%
HK$35,350
baseline
▲ 0.50% · 4.625%
HK$37,213
+HK$1,863/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,700/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,176
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,302
−HK$1,143/mo
Today · 4.125%
HK$38,445
baseline
▲ 0.50% · 4.625%
HK$40,784
+HK$2,339/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,890/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,246
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,325
−HK$1,095/mo
Today · 4.125%
HK$42,420
baseline
▲ 0.50% · 4.625%
HK$44,656
+HK$2,236/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,840/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,206
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,519
−HK$1,333/mo
Today · 4.125%
HK$44,852
baseline
▲ 0.50% · 4.625%
HK$47,582
+HK$2,730/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$89,704/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,953
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,213
−HK$1,277/mo
Today · 4.125%
HK$49,490
baseline
▲ 0.50% · 4.625%
HK$52,099
+HK$2,609/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$98,980/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,264
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,952
−HK$1,715/mo
Today · 4.125%
HK$57,667
baseline
▲ 0.50% · 4.625%
HK$61,176
+HK$3,509/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,334/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,369
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,988
−HK$1,642/mo
Today · 4.125%
HK$63,630
baseline
▲ 0.50% · 4.625%
HK$66,984
+HK$3,354/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,260/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,782 · Scale 2, in force from 26 Feb 2026)