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$30,151
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,089
−HK$953/mo
Today · 4.125%
HK$32,042
baseline
▲ 0.50% · 4.625%
HK$33,992
+HK$1,950/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,084/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,543
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,443
−HK$912/mo
Today · 4.125%
HK$35,355
baseline
▲ 0.50% · 4.625%
HK$37,219
+HK$1,864/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,710/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,182
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,307
−HK$1,143/mo
Today · 4.125%
HK$38,450
baseline
▲ 0.50% · 4.625%
HK$40,790
+HK$2,340/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,900/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,252
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,331
−HK$1,095/mo
Today · 4.125%
HK$42,426
baseline
▲ 0.50% · 4.625%
HK$44,663
+HK$2,237/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,852/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,212
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,525
−HK$1,334/mo
Today · 4.125%
HK$44,859
baseline
▲ 0.50% · 4.625%
HK$47,588
+HK$2,729/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,718/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,960
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,220
−HK$1,277/mo
Today · 4.125%
HK$49,497
baseline
▲ 0.50% · 4.625%
HK$52,106
+HK$2,609/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$98,994/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,272
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,960
−HK$1,716/mo
Today · 4.125%
HK$57,676
baseline
▲ 0.50% · 4.625%
HK$61,185
+HK$3,509/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,352/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,377
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,997
−HK$1,642/mo
Today · 4.125%
HK$63,639
baseline
▲ 0.50% · 4.625%
HK$66,994
+HK$3,355/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,278/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,853 · Scale 2, in force from 26 Feb 2026)