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$30,242
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,182
−HK$956/mo
Today · 4.125%
HK$32,138
baseline
▲ 0.50% · 4.625%
HK$34,094
+HK$1,956/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,276/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,644
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,546
−HK$915/mo
Today · 4.125%
HK$35,461
baseline
▲ 0.50% · 4.625%
HK$37,331
+HK$1,870/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,922/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,290
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,419
−HK$1,147/mo
Today · 4.125%
HK$38,566
baseline
▲ 0.50% · 4.625%
HK$40,912
+HK$2,346/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$77,132/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,372
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,455
−HK$1,099/mo
Today · 4.125%
HK$42,554
baseline
▲ 0.50% · 4.625%
HK$44,797
+HK$2,243/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$85,108/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,338
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,655
−HK$1,338/mo
Today · 4.125%
HK$44,993
baseline
▲ 0.50% · 4.625%
HK$47,731
+HK$2,738/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,986/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,101
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,364
−HK$1,282/mo
Today · 4.125%
HK$49,646
baseline
▲ 0.50% · 4.625%
HK$52,263
+HK$2,617/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,292/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,435
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,128
−HK$1,721/mo
Today · 4.125%
HK$57,849
baseline
▲ 0.50% · 4.625%
HK$61,369
+HK$3,520/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,698/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,559
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,183
−HK$1,647/mo
Today · 4.125%
HK$63,830
baseline
▲ 0.50% · 4.625%
HK$67,195
+HK$3,365/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,660/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,342 · Scale 2, in force from 26 Feb 2026)