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$30,229
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,169
−HK$956/mo
Today · 4.125%
HK$32,125
baseline
▲ 0.50% · 4.625%
HK$34,079
+HK$1,954/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,250/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,630
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,532
−HK$915/mo
Today · 4.125%
HK$35,447
baseline
▲ 0.50% · 4.625%
HK$37,315
+HK$1,868/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,894/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,275
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,403
−HK$1,147/mo
Today · 4.125%
HK$38,550
baseline
▲ 0.50% · 4.625%
HK$40,895
+HK$2,345/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,100/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,356
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,438
−HK$1,098/mo
Today · 4.125%
HK$42,536
baseline
▲ 0.50% · 4.625%
HK$44,778
+HK$2,242/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,072/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,321
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,637
−HK$1,338/mo
Today · 4.125%
HK$44,975
baseline
▲ 0.50% · 4.625%
HK$47,711
+HK$2,736/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,950/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,081
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,344
−HK$1,281/mo
Today · 4.125%
HK$49,625
baseline
▲ 0.50% · 4.625%
HK$52,241
+HK$2,616/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,250/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,412
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,105
−HK$1,720/mo
Today · 4.125%
HK$57,825
baseline
▲ 0.50% · 4.625%
HK$61,343
+HK$3,518/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,650/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,533
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,157
−HK$1,647/mo
Today · 4.125%
HK$63,804
baseline
▲ 0.50% · 4.625%
HK$67,167
+HK$3,363/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,608/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,134 · Scale 2, in force from 26 Feb 2026)