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$30,139
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,077
−HK$952/mo
Today · 4.125%
HK$32,029
baseline
▲ 0.50% · 4.625%
HK$33,978
+HK$1,949/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,058/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,530
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,429
−HK$912/mo
Today · 4.125%
HK$35,341
baseline
▲ 0.50% · 4.625%
HK$37,204
+HK$1,863/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,682/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,167
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,292
−HK$1,143/mo
Today · 4.125%
HK$38,435
baseline
▲ 0.50% · 4.625%
HK$40,774
+HK$2,339/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,870/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,236
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,315
−HK$1,094/mo
Today · 4.125%
HK$42,409
baseline
▲ 0.50% · 4.625%
HK$44,645
+HK$2,236/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,818/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,195
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,507
−HK$1,334/mo
Today · 4.125%
HK$44,841
baseline
▲ 0.50% · 4.625%
HK$47,569
+HK$2,728/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$89,682/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,941
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,200
−HK$1,278/mo
Today · 4.125%
HK$49,478
baseline
▲ 0.50% · 4.625%
HK$52,086
+HK$2,608/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$98,956/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,251
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,938
−HK$1,715/mo
Today · 4.125%
HK$57,653
baseline
▲ 0.50% · 4.625%
HK$61,161
+HK$3,508/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,306/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,353
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,972
−HK$1,642/mo
Today · 4.125%
HK$63,614
baseline
▲ 0.50% · 4.625%
HK$66,967
+HK$3,353/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,228/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,656 · Scale 2, in force from 26 Feb 2026)