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$30,129
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,066
−HK$952/mo
Today · 4.125%
HK$32,018
baseline
▲ 0.50% · 4.625%
HK$33,966
+HK$1,948/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,036/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,518
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,417
−HK$912/mo
Today · 4.125%
HK$35,329
baseline
▲ 0.50% · 4.625%
HK$37,191
+HK$1,862/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,658/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,154
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,279
−HK$1,143/mo
Today · 4.125%
HK$38,422
baseline
▲ 0.50% · 4.625%
HK$40,760
+HK$2,338/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,844/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,221
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,300
−HK$1,095/mo
Today · 4.125%
HK$42,395
baseline
▲ 0.50% · 4.625%
HK$44,629
+HK$2,234/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,790/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,180
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,492
−HK$1,333/mo
Today · 4.125%
HK$44,825
baseline
▲ 0.50% · 4.625%
HK$47,553
+HK$2,728/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$89,650/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,925
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,184
−HK$1,276/mo
Today · 4.125%
HK$49,460
baseline
▲ 0.50% · 4.625%
HK$52,067
+HK$2,607/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$98,920/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,232
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,919
−HK$1,713/mo
Today · 4.125%
HK$57,632
baseline
▲ 0.50% · 4.625%
HK$61,139
+HK$3,507/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,264/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,332
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,950
−HK$1,642/mo
Today · 4.125%
HK$63,592
baseline
▲ 0.50% · 4.625%
HK$66,944
+HK$3,352/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,184/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,483 · Scale 2, in force from 26 Feb 2026)