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$30,202
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,141
−HK$955/mo
Today · 4.125%
HK$32,096
baseline
▲ 0.50% · 4.625%
HK$34,049
+HK$1,953/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,192/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,599
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,500
−HK$915/mo
Today · 4.125%
HK$35,415
baseline
▲ 0.50% · 4.625%
HK$37,281
+HK$1,866/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,830/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,242
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,370
−HK$1,145/mo
Today · 4.125%
HK$38,515
baseline
▲ 0.50% · 4.625%
HK$40,859
+HK$2,344/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,030/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,319
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,401
−HK$1,097/mo
Today · 4.125%
HK$42,498
baseline
▲ 0.50% · 4.625%
HK$44,738
+HK$2,240/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$84,996/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,283
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,598
−HK$1,336/mo
Today · 4.125%
HK$44,934
baseline
▲ 0.50% · 4.625%
HK$47,668
+HK$2,734/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,868/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,039
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,301
−HK$1,279/mo
Today · 4.125%
HK$49,580
baseline
▲ 0.50% · 4.625%
HK$52,194
+HK$2,614/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,160/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,363
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,054
−HK$1,719/mo
Today · 4.125%
HK$57,773
baseline
▲ 0.50% · 4.625%
HK$61,288
+HK$3,515/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,546/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,479
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,101
−HK$1,645/mo
Today · 4.125%
HK$63,746
baseline
▲ 0.50% · 4.625%
HK$67,106
+HK$3,360/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,492/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,687 · Scale 2, in force from 26 Feb 2026)