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$30,130
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,067
−HK$953/mo
Today · 4.125%
HK$32,020
baseline
▲ 0.50% · 4.625%
HK$33,968
+HK$1,948/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,040/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,520
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,419
−HK$912/mo
Today · 4.125%
HK$35,331
baseline
▲ 0.50% · 4.625%
HK$37,193
+HK$1,862/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,662/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,156
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,281
−HK$1,143/mo
Today · 4.125%
HK$38,424
baseline
▲ 0.50% · 4.625%
HK$40,762
+HK$2,338/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,848/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,223
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,302
−HK$1,095/mo
Today · 4.125%
HK$42,397
baseline
▲ 0.50% · 4.625%
HK$44,631
+HK$2,234/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,794/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,182
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,494
−HK$1,333/mo
Today · 4.125%
HK$44,827
baseline
▲ 0.50% · 4.625%
HK$47,555
+HK$2,728/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$89,654/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,927
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,186
−HK$1,277/mo
Today · 4.125%
HK$49,463
baseline
▲ 0.50% · 4.625%
HK$52,070
+HK$2,607/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$98,926/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,234
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,921
−HK$1,714/mo
Today · 4.125%
HK$57,635
baseline
▲ 0.50% · 4.625%
HK$61,142
+HK$3,507/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,270/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,335
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,953
−HK$1,642/mo
Today · 4.125%
HK$63,595
baseline
▲ 0.50% · 4.625%
HK$66,947
+HK$3,352/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,190/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,507 · Scale 2, in force from 26 Feb 2026)