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$30,229
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,169
−HK$955/mo
Today · 4.125%
HK$32,124
baseline
▲ 0.50% · 4.625%
HK$34,079
+HK$1,955/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,248/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,629
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,531
−HK$915/mo
Today · 4.125%
HK$35,446
baseline
▲ 0.50% · 4.625%
HK$37,314
+HK$1,868/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,892/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,274
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,403
−HK$1,146/mo
Today · 4.125%
HK$38,549
baseline
▲ 0.50% · 4.625%
HK$40,895
+HK$2,346/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,098/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,355
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,437
−HK$1,098/mo
Today · 4.125%
HK$42,535
baseline
▲ 0.50% · 4.625%
HK$44,777
+HK$2,242/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,070/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,320
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,636
−HK$1,338/mo
Today · 4.125%
HK$44,974
baseline
▲ 0.50% · 4.625%
HK$47,710
+HK$2,736/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,948/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,081
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,343
−HK$1,281/mo
Today · 4.125%
HK$49,624
baseline
▲ 0.50% · 4.625%
HK$52,240
+HK$2,616/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,248/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,411
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,104
−HK$1,719/mo
Today · 4.125%
HK$57,823
baseline
▲ 0.50% · 4.625%
HK$61,342
+HK$3,519/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,646/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,532
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,156
−HK$1,647/mo
Today · 4.125%
HK$63,803
baseline
▲ 0.50% · 4.625%
HK$67,166
+HK$3,363/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,606/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,125 · Scale 2, in force from 26 Feb 2026)