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$30,238
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,179
−HK$955/mo
Today · 4.125%
HK$32,134
baseline
▲ 0.50% · 4.625%
HK$34,090
+HK$1,956/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,268/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,640
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,542
−HK$915/mo
Today · 4.125%
HK$35,457
baseline
▲ 0.50% · 4.625%
HK$37,326
+HK$1,869/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,914/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,286
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,414
−HK$1,147/mo
Today · 4.125%
HK$38,561
baseline
▲ 0.50% · 4.625%
HK$40,908
+HK$2,347/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$77,122/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,368
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,450
−HK$1,099/mo
Today · 4.125%
HK$42,549
baseline
▲ 0.50% · 4.625%
HK$44,791
+HK$2,242/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$85,098/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,333
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,650
−HK$1,338/mo
Today · 4.125%
HK$44,988
baseline
▲ 0.50% · 4.625%
HK$47,726
+HK$2,738/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,976/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,096
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,359
−HK$1,281/mo
Today · 4.125%
HK$49,640
baseline
▲ 0.50% · 4.625%
HK$52,257
+HK$2,617/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,280/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,429
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,122
−HK$1,720/mo
Today · 4.125%
HK$57,842
baseline
▲ 0.50% · 4.625%
HK$61,361
+HK$3,519/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,684/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,551
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,175
−HK$1,648/mo
Today · 4.125%
HK$63,823
baseline
▲ 0.50% · 4.625%
HK$67,187
+HK$3,364/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,646/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,283 · Scale 2, in force from 26 Feb 2026)