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$30,233
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,174
−HK$955/mo
Today · 4.125%
HK$32,129
baseline
▲ 0.50% · 4.625%
HK$34,084
+HK$1,955/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,258/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,634
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,536
−HK$916/mo
Today · 4.125%
HK$35,452
baseline
▲ 0.50% · 4.625%
HK$37,320
+HK$1,868/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,904/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,280
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,409
−HK$1,146/mo
Today · 4.125%
HK$38,555
baseline
▲ 0.50% · 4.625%
HK$40,901
+HK$2,346/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$77,110/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,361
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,444
−HK$1,098/mo
Today · 4.125%
HK$42,542
baseline
▲ 0.50% · 4.625%
HK$44,784
+HK$2,242/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$85,084/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,327
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,643
−HK$1,338/mo
Today · 4.125%
HK$44,981
baseline
▲ 0.50% · 4.625%
HK$47,718
+HK$2,737/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,962/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,088
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,351
−HK$1,281/mo
Today · 4.125%
HK$49,632
baseline
▲ 0.50% · 4.625%
HK$52,248
+HK$2,616/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,264/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,420
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,113
−HK$1,720/mo
Today · 4.125%
HK$57,833
baseline
▲ 0.50% · 4.625%
HK$61,352
+HK$3,519/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,666/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,542
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,166
−HK$1,647/mo
Today · 4.125%
HK$63,813
baseline
▲ 0.50% · 4.625%
HK$67,176
+HK$3,363/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,626/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,205 · Scale 2, in force from 26 Feb 2026)