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$30,142
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,080
−HK$953/mo
Today · 4.125%
HK$32,033
baseline
▲ 0.50% · 4.625%
HK$33,982
+HK$1,949/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,066/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,533
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,432
−HK$913/mo
Today · 4.125%
HK$35,345
baseline
▲ 0.50% · 4.625%
HK$37,208
+HK$1,863/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,690/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,171
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,296
−HK$1,143/mo
Today · 4.125%
HK$38,439
baseline
▲ 0.50% · 4.625%
HK$40,778
+HK$2,339/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,878/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,240
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,319
−HK$1,095/mo
Today · 4.125%
HK$42,414
baseline
▲ 0.50% · 4.625%
HK$44,649
+HK$2,235/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,828/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,199
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,512
−HK$1,334/mo
Today · 4.125%
HK$44,846
baseline
▲ 0.50% · 4.625%
HK$47,574
+HK$2,728/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$89,692/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,946
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,205
−HK$1,278/mo
Today · 4.125%
HK$49,483
baseline
▲ 0.50% · 4.625%
HK$52,091
+HK$2,608/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$98,966/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,256
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,944
−HK$1,715/mo
Today · 4.125%
HK$57,659
baseline
▲ 0.50% · 4.625%
HK$61,167
+HK$3,508/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,318/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,359
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,978
−HK$1,643/mo
Today · 4.125%
HK$63,621
baseline
▲ 0.50% · 4.625%
HK$66,974
+HK$3,353/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,242/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,707 · Scale 2, in force from 26 Feb 2026)