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$30,162
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,100
−HK$953/mo
Today · 4.125%
HK$32,053
baseline
▲ 0.50% · 4.625%
HK$34,003
+HK$1,950/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,106/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,555
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,454
−HK$913/mo
Today · 4.125%
HK$35,367
baseline
▲ 0.50% · 4.625%
HK$37,232
+HK$1,865/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,734/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,194
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,320
−HK$1,144/mo
Today · 4.125%
HK$38,464
baseline
▲ 0.50% · 4.625%
HK$40,804
+HK$2,340/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,928/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,265
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,345
−HK$1,096/mo
Today · 4.125%
HK$42,441
baseline
▲ 0.50% · 4.625%
HK$44,678
+HK$2,237/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,882/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,226
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,540
−HK$1,334/mo
Today · 4.125%
HK$44,874
baseline
▲ 0.50% · 4.625%
HK$47,605
+HK$2,731/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,748/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$496,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,976
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,236
−HK$1,278/mo
Today · 4.125%
HK$49,514
baseline
▲ 0.50% · 4.625%
HK$52,124
+HK$2,610/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,028/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$496,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,291
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,980
−HK$1,716/mo
Today · 4.125%
HK$57,696
baseline
▲ 0.50% · 4.625%
HK$61,206
+HK$3,510/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,392/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,398
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,018
−HK$1,643/mo
Today · 4.125%
HK$63,661
baseline
▲ 0.50% · 4.625%
HK$67,017
+HK$3,356/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,322/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,025 · Scale 2, in force from 26 Feb 2026)