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$30,216
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,156
−HK$955/mo
Today · 4.125%
HK$32,111
baseline
▲ 0.50% · 4.625%
HK$34,065
+HK$1,954/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,222/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,615
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,517
−HK$914/mo
Today · 4.125%
HK$35,431
baseline
▲ 0.50% · 4.625%
HK$37,299
+HK$1,868/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,862/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,259
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,387
−HK$1,146/mo
Today · 4.125%
HK$38,533
baseline
▲ 0.50% · 4.625%
HK$40,878
+HK$2,345/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,066/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,338
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,420
−HK$1,098/mo
Today · 4.125%
HK$42,518
baseline
▲ 0.50% · 4.625%
HK$44,759
+HK$2,241/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,036/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,303
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,618
−HK$1,337/mo
Today · 4.125%
HK$44,955
baseline
▲ 0.50% · 4.625%
HK$47,691
+HK$2,736/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,910/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,061
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,323
−HK$1,281/mo
Today · 4.125%
HK$49,604
baseline
▲ 0.50% · 4.625%
HK$52,219
+HK$2,615/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,208/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,389
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,081
−HK$1,719/mo
Today · 4.125%
HK$57,800
baseline
▲ 0.50% · 4.625%
HK$61,317
+HK$3,517/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,600/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,507
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,130
−HK$1,646/mo
Today · 4.125%
HK$63,776
baseline
▲ 0.50% · 4.625%
HK$67,138
+HK$3,362/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,552/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,921 · Scale 2, in force from 26 Feb 2026)