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$30,129
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,066
−HK$953/mo
Today · 4.125%
HK$32,019
baseline
▲ 0.50% · 4.625%
HK$33,967
+HK$1,948/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,038/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,519
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,417
−HK$912/mo
Today · 4.125%
HK$35,329
baseline
▲ 0.50% · 4.625%
HK$37,192
+HK$1,863/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,658/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,155
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,280
−HK$1,142/mo
Today · 4.125%
HK$38,422
baseline
▲ 0.50% · 4.625%
HK$40,760
+HK$2,338/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,844/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,222
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,301
−HK$1,094/mo
Today · 4.125%
HK$42,395
baseline
▲ 0.50% · 4.625%
HK$44,630
+HK$2,235/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,790/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,181
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,493
−HK$1,333/mo
Today · 4.125%
HK$44,826
baseline
▲ 0.50% · 4.625%
HK$47,554
+HK$2,728/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$89,652/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,926
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,184
−HK$1,277/mo
Today · 4.125%
HK$49,461
baseline
▲ 0.50% · 4.625%
HK$52,068
+HK$2,607/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$98,922/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,233
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,920
−HK$1,714/mo
Today · 4.125%
HK$57,634
baseline
▲ 0.50% · 4.625%
HK$61,140
+HK$3,506/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,268/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,333
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,951
−HK$1,642/mo
Today · 4.125%
HK$63,593
baseline
▲ 0.50% · 4.625%
HK$66,945
+HK$3,352/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,186/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,492 · Scale 2, in force from 26 Feb 2026)