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$30,232
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,172
−HK$955/mo
Today · 4.125%
HK$32,127
baseline
▲ 0.50% · 4.625%
HK$34,082
+HK$1,955/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,254/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,632
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,534
−HK$915/mo
Today · 4.125%
HK$35,449
baseline
▲ 0.50% · 4.625%
HK$37,318
+HK$1,869/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,898/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,278
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,406
−HK$1,147/mo
Today · 4.125%
HK$38,553
baseline
▲ 0.50% · 4.625%
HK$40,899
+HK$2,346/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,106/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,359
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,441
−HK$1,098/mo
Today · 4.125%
HK$42,539
baseline
▲ 0.50% · 4.625%
HK$44,781
+HK$2,242/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,078/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,324
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,641
−HK$1,337/mo
Today · 4.125%
HK$44,978
baseline
▲ 0.50% · 4.625%
HK$47,715
+HK$2,737/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,956/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,085
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,348
−HK$1,281/mo
Today · 4.125%
HK$49,629
baseline
▲ 0.50% · 4.625%
HK$52,245
+HK$2,616/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,258/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,417
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,109
−HK$1,720/mo
Today · 4.125%
HK$57,829
baseline
▲ 0.50% · 4.625%
HK$61,348
+HK$3,519/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,658/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,538
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,162
−HK$1,647/mo
Today · 4.125%
HK$63,809
baseline
▲ 0.50% · 4.625%
HK$67,172
+HK$3,363/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,618/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,174 · Scale 2, in force from 26 Feb 2026)