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$30,215
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,155
−HK$955/mo
Today · 4.125%
HK$32,110
baseline
▲ 0.50% · 4.625%
HK$34,064
+HK$1,954/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,220/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,614
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,516
−HK$914/mo
Today · 4.125%
HK$35,430
baseline
▲ 0.50% · 4.625%
HK$37,298
+HK$1,868/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,860/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,258
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,386
−HK$1,146/mo
Today · 4.125%
HK$38,532
baseline
▲ 0.50% · 4.625%
HK$40,877
+HK$2,345/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,064/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,337
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,419
−HK$1,097/mo
Today · 4.125%
HK$42,516
baseline
▲ 0.50% · 4.625%
HK$44,757
+HK$2,241/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,032/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,301
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,617
−HK$1,337/mo
Today · 4.125%
HK$44,954
baseline
▲ 0.50% · 4.625%
HK$47,689
+HK$2,735/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,908/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,060
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,322
−HK$1,280/mo
Today · 4.125%
HK$49,602
baseline
▲ 0.50% · 4.625%
HK$52,217
+HK$2,615/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,204/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,387
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,079
−HK$1,719/mo
Today · 4.125%
HK$57,798
baseline
▲ 0.50% · 4.625%
HK$61,315
+HK$3,517/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,596/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,505
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,128
−HK$1,646/mo
Today · 4.125%
HK$63,774
baseline
▲ 0.50% · 4.625%
HK$67,136
+HK$3,362/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,548/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,905 · Scale 2, in force from 26 Feb 2026)