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$30,230
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,170
−HK$955/mo
Today · 4.125%
HK$32,125
baseline
▲ 0.50% · 4.625%
HK$34,080
+HK$1,955/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,250/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,630
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,532
−HK$915/mo
Today · 4.125%
HK$35,447
baseline
▲ 0.50% · 4.625%
HK$37,316
+HK$1,869/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,894/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,276
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,404
−HK$1,147/mo
Today · 4.125%
HK$38,551
baseline
▲ 0.50% · 4.625%
HK$40,896
+HK$2,345/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,102/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,356
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,439
−HK$1,098/mo
Today · 4.125%
HK$42,537
baseline
▲ 0.50% · 4.625%
HK$44,779
+HK$2,242/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,074/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,322
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,638
−HK$1,338/mo
Today · 4.125%
HK$44,976
baseline
▲ 0.50% · 4.625%
HK$47,712
+HK$2,736/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,952/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,082
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,345
−HK$1,281/mo
Today · 4.125%
HK$49,626
baseline
▲ 0.50% · 4.625%
HK$52,242
+HK$2,616/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,252/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,414
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,106
−HK$1,720/mo
Today · 4.125%
HK$57,826
baseline
▲ 0.50% · 4.625%
HK$61,344
+HK$3,518/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,652/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,535
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,158
−HK$1,647/mo
Today · 4.125%
HK$63,805
baseline
▲ 0.50% · 4.625%
HK$67,168
+HK$3,363/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,610/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,145 · Scale 2, in force from 26 Feb 2026)