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$30,218
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,158
−HK$955/mo
Today · 4.125%
HK$32,113
baseline
▲ 0.50% · 4.625%
HK$34,067
+HK$1,954/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,226/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,617
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,519
−HK$915/mo
Today · 4.125%
HK$35,434
baseline
▲ 0.50% · 4.625%
HK$37,301
+HK$1,867/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,868/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,262
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,390
−HK$1,146/mo
Today · 4.125%
HK$38,536
baseline
▲ 0.50% · 4.625%
HK$40,880
+HK$2,344/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,072/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,341
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,423
−HK$1,097/mo
Today · 4.125%
HK$42,520
baseline
▲ 0.50% · 4.625%
HK$44,762
+HK$2,242/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,040/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,305
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,621
−HK$1,337/mo
Today · 4.125%
HK$44,958
baseline
▲ 0.50% · 4.625%
HK$47,694
+HK$2,736/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,916/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,064
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,326
−HK$1,281/mo
Today · 4.125%
HK$49,607
baseline
▲ 0.50% · 4.625%
HK$52,222
+HK$2,615/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,214/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,393
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,084
−HK$1,719/mo
Today · 4.125%
HK$57,803
baseline
▲ 0.50% · 4.625%
HK$61,321
+HK$3,518/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,606/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,511
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,134
−HK$1,646/mo
Today · 4.125%
HK$63,780
baseline
▲ 0.50% · 4.625%
HK$67,142
+HK$3,362/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,560/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,952 · Scale 2, in force from 26 Feb 2026)