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$30,248
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,189
−HK$956/mo
Today · 4.125%
HK$32,145
baseline
▲ 0.50% · 4.625%
HK$34,101
+HK$1,956/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,290/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,651
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,554
−HK$915/mo
Today · 4.125%
HK$35,469
baseline
▲ 0.50% · 4.625%
HK$37,339
+HK$1,870/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,938/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,298
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,427
−HK$1,147/mo
Today · 4.125%
HK$38,574
baseline
▲ 0.50% · 4.625%
HK$40,922
+HK$2,348/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,148/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,381
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,464
−HK$1,099/mo
Today · 4.125%
HK$42,563
baseline
▲ 0.50% · 4.625%
HK$44,807
+HK$2,244/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,126/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,348
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,665
−HK$1,338/mo
Today · 4.125%
HK$45,003
baseline
▲ 0.50% · 4.625%
HK$47,742
+HK$2,739/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,006/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,112
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,375
−HK$1,282/mo
Today · 4.125%
HK$49,657
baseline
▲ 0.50% · 4.625%
HK$52,274
+HK$2,617/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,314/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,447
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,141
−HK$1,721/mo
Today · 4.125%
HK$57,862
baseline
▲ 0.50% · 4.625%
HK$61,382
+HK$3,520/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,724/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,572
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,196
−HK$1,648/mo
Today · 4.125%
HK$63,844
baseline
▲ 0.50% · 4.625%
HK$67,210
+HK$3,366/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,688/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,452 · Scale 2, in force from 26 Feb 2026)