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$30,256
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,197
−HK$957/mo
Today · 4.125%
HK$32,154
baseline
▲ 0.50% · 4.625%
HK$34,110
+HK$1,956/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,308/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,660
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,562
−HK$916/mo
Today · 4.125%
HK$35,478
baseline
▲ 0.50% · 4.625%
HK$37,348
+HK$1,870/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,956/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,307
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,437
−HK$1,147/mo
Today · 4.125%
HK$38,584
baseline
▲ 0.50% · 4.625%
HK$40,932
+HK$2,348/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,168/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,392
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,475
−HK$1,099/mo
Today · 4.125%
HK$42,574
baseline
▲ 0.50% · 4.625%
HK$44,818
+HK$2,244/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,148/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,359
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,676
−HK$1,339/mo
Today · 4.125%
HK$45,015
baseline
▲ 0.50% · 4.625%
HK$47,754
+HK$2,739/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,030/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,124
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,387
−HK$1,283/mo
Today · 4.125%
HK$49,670
baseline
▲ 0.50% · 4.625%
HK$52,288
+HK$2,618/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,340/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,461
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,155
−HK$1,721/mo
Today · 4.125%
HK$57,876
baseline
▲ 0.50% · 4.625%
HK$61,398
+HK$3,522/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,752/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,588
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,212
−HK$1,649/mo
Today · 4.125%
HK$63,861
baseline
▲ 0.50% · 4.625%
HK$67,227
+HK$3,366/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,722/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,580 · Scale 2, in force from 26 Feb 2026)