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$30,132
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,070
−HK$952/mo
Today · 4.125%
HK$32,022
baseline
▲ 0.50% · 4.625%
HK$33,970
+HK$1,948/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,044/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,522
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,421
−HK$912/mo
Today · 4.125%
HK$35,333
baseline
▲ 0.50% · 4.625%
HK$37,195
+HK$1,862/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,666/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,159
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,284
−HK$1,142/mo
Today · 4.125%
HK$38,426
baseline
▲ 0.50% · 4.625%
HK$40,764
+HK$2,338/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,852/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,226
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,305
−HK$1,095/mo
Today · 4.125%
HK$42,400
baseline
▲ 0.50% · 4.625%
HK$44,635
+HK$2,235/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,800/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,185
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,497
−HK$1,334/mo
Today · 4.125%
HK$44,831
baseline
▲ 0.50% · 4.625%
HK$47,558
+HK$2,727/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$89,662/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,931
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,189
−HK$1,277/mo
Today · 4.125%
HK$49,466
baseline
▲ 0.50% · 4.625%
HK$52,074
+HK$2,608/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$98,932/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,238
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,925
−HK$1,714/mo
Today · 4.125%
HK$57,639
baseline
▲ 0.50% · 4.625%
HK$61,147
+HK$3,508/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,278/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,339
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,958
−HK$1,641/mo
Today · 4.125%
HK$63,599
baseline
▲ 0.50% · 4.625%
HK$66,952
+HK$3,353/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,198/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,542 · Scale 2, in force from 26 Feb 2026)