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$30,136
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,074
−HK$952/mo
Today · 4.125%
HK$32,026
baseline
▲ 0.50% · 4.625%
HK$33,975
+HK$1,949/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,052/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,526
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,425
−HK$913/mo
Today · 4.125%
HK$35,338
baseline
▲ 0.50% · 4.625%
HK$37,200
+HK$1,862/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,676/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,164
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,288
−HK$1,143/mo
Today · 4.125%
HK$38,431
baseline
▲ 0.50% · 4.625%
HK$40,770
+HK$2,339/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,862/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,232
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,311
−HK$1,094/mo
Today · 4.125%
HK$42,405
baseline
▲ 0.50% · 4.625%
HK$44,640
+HK$2,235/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,810/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,191
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,503
−HK$1,334/mo
Today · 4.125%
HK$44,837
baseline
▲ 0.50% · 4.625%
HK$47,565
+HK$2,728/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$89,674/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,937
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,196
−HK$1,277/mo
Today · 4.125%
HK$49,473
baseline
▲ 0.50% · 4.625%
HK$52,080
+HK$2,607/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$98,946/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,245
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,933
−HK$1,714/mo
Today · 4.125%
HK$57,647
baseline
▲ 0.50% · 4.625%
HK$61,155
+HK$3,508/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,294/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,347
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,966
−HK$1,642/mo
Today · 4.125%
HK$63,608
baseline
▲ 0.50% · 4.625%
HK$66,961
+HK$3,353/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,216/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,608 · Scale 2, in force from 26 Feb 2026)