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$30,221
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,161
−HK$956/mo
Today · 4.125%
HK$32,117
baseline
▲ 0.50% · 4.625%
HK$34,071
+HK$1,954/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,234/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$497,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,621
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,523
−HK$914/mo
Today · 4.125%
HK$35,437
baseline
▲ 0.50% · 4.625%
HK$37,305
+HK$1,868/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,874/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$497,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,266
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,394
−HK$1,146/mo
Today · 4.125%
HK$38,540
baseline
▲ 0.50% · 4.625%
HK$40,885
+HK$2,345/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,080/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,345
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,427
−HK$1,098/mo
Today · 4.125%
HK$42,525
baseline
▲ 0.50% · 4.625%
HK$44,766
+HK$2,241/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,050/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,310
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,626
−HK$1,337/mo
Today · 4.125%
HK$44,963
baseline
▲ 0.50% · 4.625%
HK$47,699
+HK$2,736/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,926/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,069
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,332
−HK$1,280/mo
Today · 4.125%
HK$49,612
baseline
▲ 0.50% · 4.625%
HK$52,228
+HK$2,616/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,224/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,398
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,091
−HK$1,719/mo
Today · 4.125%
HK$57,810
baseline
▲ 0.50% · 4.625%
HK$61,327
+HK$3,517/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,620/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,518
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,141
−HK$1,646/mo
Today · 4.125%
HK$63,787
baseline
▲ 0.50% · 4.625%
HK$67,150
+HK$3,363/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,574/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,007 · Scale 2, in force from 26 Feb 2026)