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$30,222
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,162
−HK$956/mo
Today · 4.125%
HK$32,118
baseline
▲ 0.50% · 4.625%
HK$34,072
+HK$1,954/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,236/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$497,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,622
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,524
−HK$915/mo
Today · 4.125%
HK$35,439
baseline
▲ 0.50% · 4.625%
HK$37,307
+HK$1,868/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,878/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$497,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,267
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,395
−HK$1,146/mo
Today · 4.125%
HK$38,541
baseline
▲ 0.50% · 4.625%
HK$40,886
+HK$2,345/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,082/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,346
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,429
−HK$1,097/mo
Today · 4.125%
HK$42,526
baseline
▲ 0.50% · 4.625%
HK$44,768
+HK$2,242/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,052/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,311
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,627
−HK$1,338/mo
Today · 4.125%
HK$44,965
baseline
▲ 0.50% · 4.625%
HK$47,701
+HK$2,736/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,930/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,071
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,333
−HK$1,281/mo
Today · 4.125%
HK$49,614
baseline
▲ 0.50% · 4.625%
HK$52,229
+HK$2,615/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,228/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,400
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,092
−HK$1,720/mo
Today · 4.125%
HK$57,812
baseline
▲ 0.50% · 4.625%
HK$61,329
+HK$3,517/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,624/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,520
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,143
−HK$1,646/mo
Today · 4.125%
HK$63,789
baseline
▲ 0.50% · 4.625%
HK$67,152
+HK$3,363/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,578/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,023 · Scale 2, in force from 26 Feb 2026)