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$30,126
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,063
−HK$953/mo
Today · 4.125%
HK$32,016
baseline
▲ 0.50% · 4.625%
HK$33,964
+HK$1,948/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,032/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,515
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,414
−HK$912/mo
Today · 4.125%
HK$35,326
baseline
▲ 0.50% · 4.625%
HK$37,188
+HK$1,862/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,652/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,152
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,276
−HK$1,143/mo
Today · 4.125%
HK$38,419
baseline
▲ 0.50% · 4.625%
HK$40,756
+HK$2,337/mo
Deposit HK$5.28M · loan HK$7.93M · min. income ≈ HK$76,838/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,218
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,297
−HK$1,094/mo
Today · 4.125%
HK$42,391
baseline
▲ 0.50% · 4.625%
HK$44,626
+HK$2,235/mo
Deposit HK$5.28M · loan HK$7.93M · min. income ≈ HK$84,782/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,177
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,489
−HK$1,333/mo
Today · 4.125%
HK$44,822
baseline
▲ 0.50% · 4.625%
HK$47,549
+HK$2,727/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$89,644/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,921
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,180
−HK$1,276/mo
Today · 4.125%
HK$49,456
baseline
▲ 0.50% · 4.625%
HK$52,063
+HK$2,607/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$98,912/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,227
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,914
−HK$1,714/mo
Today · 4.125%
HK$57,628
baseline
▲ 0.50% · 4.625%
HK$61,135
+HK$3,507/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,256/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,328
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,946
−HK$1,641/mo
Today · 4.125%
HK$63,587
baseline
▲ 0.50% · 4.625%
HK$66,939
+HK$3,352/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,174/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,445 · Scale 2, in force from 26 Feb 2026)