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$30,124
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,061
−HK$952/mo
Today · 4.125%
HK$32,013
baseline
▲ 0.50% · 4.625%
HK$33,961
+HK$1,948/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,026/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,513
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,412
−HK$912/mo
Today · 4.125%
HK$35,324
baseline
▲ 0.50% · 4.625%
HK$37,186
+HK$1,862/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,648/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,149
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,274
−HK$1,142/mo
Today · 4.125%
HK$38,416
baseline
▲ 0.50% · 4.625%
HK$40,754
+HK$2,338/mo
Deposit HK$5.28M · loan HK$7.93M · min. income ≈ HK$76,832/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,216
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,294
−HK$1,094/mo
Today · 4.125%
HK$42,388
baseline
▲ 0.50% · 4.625%
HK$44,623
+HK$2,235/mo
Deposit HK$5.28M · loan HK$7.93M · min. income ≈ HK$84,776/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,174
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,486
−HK$1,333/mo
Today · 4.125%
HK$44,819
baseline
▲ 0.50% · 4.625%
HK$47,546
+HK$2,727/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$89,638/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,918
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,177
−HK$1,276/mo
Today · 4.125%
HK$49,453
baseline
▲ 0.50% · 4.625%
HK$52,060
+HK$2,607/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$98,906/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,224
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,911
−HK$1,713/mo
Today · 4.125%
HK$57,624
baseline
▲ 0.50% · 4.625%
HK$61,131
+HK$3,507/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,248/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,324
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,941
−HK$1,642/mo
Today · 4.125%
HK$63,583
baseline
▲ 0.50% · 4.625%
HK$66,934
+HK$3,351/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,166/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,412 · Scale 2, in force from 26 Feb 2026)