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$30,257
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,198
−HK$956/mo
Today · 4.125%
HK$32,154
baseline
▲ 0.50% · 4.625%
HK$34,111
+HK$1,957/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,308/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,660
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,563
−HK$916/mo
Today · 4.125%
HK$35,479
baseline
▲ 0.50% · 4.625%
HK$37,349
+HK$1,870/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,958/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,308
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,437
−HK$1,148/mo
Today · 4.125%
HK$38,585
baseline
▲ 0.50% · 4.625%
HK$40,933
+HK$2,348/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,170/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,392
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,476
−HK$1,099/mo
Today · 4.125%
HK$42,575
baseline
▲ 0.50% · 4.625%
HK$44,819
+HK$2,244/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,150/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,359
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,677
−HK$1,339/mo
Today · 4.125%
HK$45,016
baseline
▲ 0.50% · 4.625%
HK$47,755
+HK$2,739/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,032/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,124
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,388
−HK$1,282/mo
Today · 4.125%
HK$49,670
baseline
▲ 0.50% · 4.625%
HK$52,288
+HK$2,618/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,340/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,462
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,156
−HK$1,721/mo
Today · 4.125%
HK$57,877
baseline
▲ 0.50% · 4.625%
HK$61,399
+HK$3,522/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,754/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,588
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,213
−HK$1,649/mo
Today · 4.125%
HK$63,862
baseline
▲ 0.50% · 4.625%
HK$67,228
+HK$3,366/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,724/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,587 · Scale 2, in force from 26 Feb 2026)