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$30,212
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,152
−HK$955/mo
Today · 4.125%
HK$32,107
baseline
▲ 0.50% · 4.625%
HK$34,061
+HK$1,954/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,214/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,611
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,512
−HK$915/mo
Today · 4.125%
HK$35,427
baseline
▲ 0.50% · 4.625%
HK$37,294
+HK$1,867/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,854/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,255
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,383
−HK$1,145/mo
Today · 4.125%
HK$38,528
baseline
▲ 0.50% · 4.625%
HK$40,873
+HK$2,345/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,056/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,333
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,415
−HK$1,097/mo
Today · 4.125%
HK$42,512
baseline
▲ 0.50% · 4.625%
HK$44,753
+HK$2,241/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,024/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,297
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,613
−HK$1,337/mo
Today · 4.125%
HK$44,950
baseline
▲ 0.50% · 4.625%
HK$47,685
+HK$2,735/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,900/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,055
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,317
−HK$1,281/mo
Today · 4.125%
HK$49,598
baseline
▲ 0.50% · 4.625%
HK$52,212
+HK$2,614/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,196/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,382
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,074
−HK$1,719/mo
Today · 4.125%
HK$57,793
baseline
▲ 0.50% · 4.625%
HK$61,309
+HK$3,516/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,586/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,500
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,122
−HK$1,646/mo
Today · 4.125%
HK$63,768
baseline
▲ 0.50% · 4.625%
HK$67,130
+HK$3,362/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,536/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,860 · Scale 2, in force from 26 Feb 2026)