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$30,211
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,150
−HK$955/mo
Today · 4.125%
HK$32,105
baseline
▲ 0.50% · 4.625%
HK$34,059
+HK$1,954/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,210/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,609
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,510
−HK$915/mo
Today · 4.125%
HK$35,425
baseline
▲ 0.50% · 4.625%
HK$37,292
+HK$1,867/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,850/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,253
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,381
−HK$1,145/mo
Today · 4.125%
HK$38,526
baseline
▲ 0.50% · 4.625%
HK$40,870
+HK$2,344/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,052/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,331
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,413
−HK$1,097/mo
Today · 4.125%
HK$42,510
baseline
▲ 0.50% · 4.625%
HK$44,751
+HK$2,241/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,020/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,295
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,611
−HK$1,336/mo
Today · 4.125%
HK$44,947
baseline
▲ 0.50% · 4.625%
HK$47,682
+HK$2,735/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,894/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,053
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,315
−HK$1,280/mo
Today · 4.125%
HK$49,595
baseline
▲ 0.50% · 4.625%
HK$52,209
+HK$2,614/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,190/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,379
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,071
−HK$1,718/mo
Today · 4.125%
HK$57,789
baseline
▲ 0.50% · 4.625%
HK$61,306
+HK$3,517/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,578/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,496
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,119
−HK$1,646/mo
Today · 4.125%
HK$63,765
baseline
▲ 0.50% · 4.625%
HK$67,126
+HK$3,361/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,530/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,831 · Scale 2, in force from 26 Feb 2026)