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$30,214
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,154
−HK$955/mo
Today · 4.125%
HK$32,109
baseline
▲ 0.50% · 4.625%
HK$34,063
+HK$1,954/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,218/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,613
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,515
−HK$914/mo
Today · 4.125%
HK$35,429
baseline
▲ 0.50% · 4.625%
HK$37,297
+HK$1,868/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,858/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,257
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,385
−HK$1,146/mo
Today · 4.125%
HK$38,531
baseline
▲ 0.50% · 4.625%
HK$40,875
+HK$2,344/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,062/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,336
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,418
−HK$1,097/mo
Today · 4.125%
HK$42,515
baseline
▲ 0.50% · 4.625%
HK$44,756
+HK$2,241/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,030/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,300
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,616
−HK$1,337/mo
Today · 4.125%
HK$44,953
baseline
▲ 0.50% · 4.625%
HK$47,688
+HK$2,735/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,906/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,058
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,320
−HK$1,281/mo
Today · 4.125%
HK$49,601
baseline
▲ 0.50% · 4.625%
HK$52,215
+HK$2,614/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,202/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,386
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,078
−HK$1,718/mo
Today · 4.125%
HK$57,796
baseline
▲ 0.50% · 4.625%
HK$61,313
+HK$3,517/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,592/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,504
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,126
−HK$1,646/mo
Today · 4.125%
HK$63,772
baseline
▲ 0.50% · 4.625%
HK$67,134
+HK$3,362/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,544/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,891 · Scale 2, in force from 26 Feb 2026)