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$30,159
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,097
−HK$953/mo
Today · 4.125%
HK$32,050
baseline
▲ 0.50% · 4.625%
HK$34,000
+HK$1,950/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,100/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,552
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,451
−HK$913/mo
Today · 4.125%
HK$35,364
baseline
▲ 0.50% · 4.625%
HK$37,228
+HK$1,864/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,728/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,191
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,317
−HK$1,143/mo
Today · 4.125%
HK$38,460
baseline
▲ 0.50% · 4.625%
HK$40,801
+HK$2,341/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,920/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$495,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,262
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,342
−HK$1,095/mo
Today · 4.125%
HK$42,437
baseline
▲ 0.50% · 4.625%
HK$44,674
+HK$2,237/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,874/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$495,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,223
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,536
−HK$1,334/mo
Today · 4.125%
HK$44,870
baseline
▲ 0.50% · 4.625%
HK$47,601
+HK$2,731/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,740/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,972
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,232
−HK$1,278/mo
Today · 4.125%
HK$49,510
baseline
▲ 0.50% · 4.625%
HK$52,120
+HK$2,610/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,020/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,286
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,975
−HK$1,715/mo
Today · 4.125%
HK$57,690
baseline
▲ 0.50% · 4.625%
HK$61,201
+HK$3,511/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,380/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,393
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,013
−HK$1,643/mo
Today · 4.125%
HK$63,656
baseline
▲ 0.50% · 4.625%
HK$67,011
+HK$3,355/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,312/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,981 · Scale 2, in force from 26 Feb 2026)