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$30,213
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,153
−HK$955/mo
Today · 4.125%
HK$32,108
baseline
▲ 0.50% · 4.625%
HK$34,061
+HK$1,953/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,216/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,612
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,513
−HK$915/mo
Today · 4.125%
HK$35,428
baseline
▲ 0.50% · 4.625%
HK$37,295
+HK$1,867/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,856/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,256
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,383
−HK$1,146/mo
Today · 4.125%
HK$38,529
baseline
▲ 0.50% · 4.625%
HK$40,874
+HK$2,345/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,058/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,334
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,416
−HK$1,097/mo
Today · 4.125%
HK$42,513
baseline
▲ 0.50% · 4.625%
HK$44,754
+HK$2,241/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,026/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,298
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,614
−HK$1,337/mo
Today · 4.125%
HK$44,951
baseline
▲ 0.50% · 4.625%
HK$47,686
+HK$2,735/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,902/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,056
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,318
−HK$1,281/mo
Today · 4.125%
HK$49,599
baseline
▲ 0.50% · 4.625%
HK$52,213
+HK$2,614/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,198/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,383
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,075
−HK$1,719/mo
Today · 4.125%
HK$57,794
baseline
▲ 0.50% · 4.625%
HK$61,310
+HK$3,516/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,588/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,501
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,124
−HK$1,646/mo
Today · 4.125%
HK$63,770
baseline
▲ 0.50% · 4.625%
HK$67,131
+HK$3,361/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,540/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,869 · Scale 2, in force from 26 Feb 2026)