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$30,237
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,177
−HK$956/mo
Today · 4.125%
HK$32,133
baseline
▲ 0.50% · 4.625%
HK$34,088
+HK$1,955/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,266/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,638
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,540
−HK$915/mo
Today · 4.125%
HK$35,455
baseline
▲ 0.50% · 4.625%
HK$37,324
+HK$1,869/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,910/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,284
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,413
−HK$1,146/mo
Today · 4.125%
HK$38,559
baseline
▲ 0.50% · 4.625%
HK$40,906
+HK$2,347/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$77,118/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,366
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,448
−HK$1,099/mo
Today · 4.125%
HK$42,547
baseline
▲ 0.50% · 4.625%
HK$44,789
+HK$2,242/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$85,094/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,331
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,648
−HK$1,338/mo
Today · 4.125%
HK$44,986
baseline
▲ 0.50% · 4.625%
HK$47,723
+HK$2,737/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,972/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,093
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,356
−HK$1,282/mo
Today · 4.125%
HK$49,638
baseline
▲ 0.50% · 4.625%
HK$52,254
+HK$2,616/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,276/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,426
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,119
−HK$1,720/mo
Today · 4.125%
HK$57,839
baseline
▲ 0.50% · 4.625%
HK$61,359
+HK$3,520/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,678/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,549
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,172
−HK$1,648/mo
Today · 4.125%
HK$63,820
baseline
▲ 0.50% · 4.625%
HK$67,184
+HK$3,364/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,640/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,259 · Scale 2, in force from 26 Feb 2026)