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$30,263
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,205
−HK$956/mo
Today · 4.125%
HK$32,161
baseline
▲ 0.50% · 4.625%
HK$34,118
+HK$1,957/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,322/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,668
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,571
−HK$916/mo
Today · 4.125%
HK$35,487
baseline
▲ 0.50% · 4.625%
HK$37,357
+HK$1,870/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$70,974/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,316
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,446
−HK$1,147/mo
Today · 4.125%
HK$38,593
baseline
▲ 0.50% · 4.625%
HK$40,942
+HK$2,349/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,186/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,401
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,485
−HK$1,099/mo
Today · 4.125%
HK$42,584
baseline
▲ 0.50% · 4.625%
HK$44,829
+HK$2,245/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,168/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,369
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,687
−HK$1,339/mo
Today · 4.125%
HK$45,026
baseline
▲ 0.50% · 4.625%
HK$47,765
+HK$2,739/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,052/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,135
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,399
−HK$1,282/mo
Today · 4.125%
HK$49,681
baseline
▲ 0.50% · 4.625%
HK$52,300
+HK$2,619/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,362/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,474
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,168
−HK$1,722/mo
Today · 4.125%
HK$57,890
baseline
▲ 0.50% · 4.625%
HK$61,412
+HK$3,522/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,780/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,602
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,227
−HK$1,649/mo
Today · 4.125%
HK$63,876
baseline
▲ 0.50% · 4.625%
HK$67,243
+HK$3,367/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,752/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,697 · Scale 2, in force from 26 Feb 2026)