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$30,239
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,180
−HK$955/mo
Today · 4.125%
HK$32,135
baseline
▲ 0.50% · 4.625%
HK$34,091
+HK$1,956/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,270/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,641
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,543
−HK$915/mo
Today · 4.125%
HK$35,458
baseline
▲ 0.50% · 4.625%
HK$37,327
+HK$1,869/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,916/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,287
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,416
−HK$1,146/mo
Today · 4.125%
HK$38,562
baseline
▲ 0.50% · 4.625%
HK$40,909
+HK$2,347/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$77,124/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,369
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,451
−HK$1,099/mo
Today · 4.125%
HK$42,550
baseline
▲ 0.50% · 4.625%
HK$44,793
+HK$2,243/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$85,100/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,335
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,651
−HK$1,338/mo
Today · 4.125%
HK$44,989
baseline
▲ 0.50% · 4.625%
HK$47,727
+HK$2,738/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,978/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,097
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,360
−HK$1,281/mo
Today · 4.125%
HK$49,641
baseline
▲ 0.50% · 4.625%
HK$52,258
+HK$2,617/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,282/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,430
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,123
−HK$1,720/mo
Today · 4.125%
HK$57,843
baseline
▲ 0.50% · 4.625%
HK$61,363
+HK$3,520/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,686/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,553
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,177
−HK$1,648/mo
Today · 4.125%
HK$63,825
baseline
▲ 0.50% · 4.625%
HK$67,189
+HK$3,364/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,650/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,296 · Scale 2, in force from 26 Feb 2026)