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$30,151
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,088
−HK$953/mo
Today · 4.125%
HK$32,041
baseline
▲ 0.50% · 4.625%
HK$33,991
+HK$1,950/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,082/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,542
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,442
−HK$912/mo
Today · 4.125%
HK$35,354
baseline
▲ 0.50% · 4.625%
HK$37,218
+HK$1,864/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,708/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,181
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,306
−HK$1,144/mo
Today · 4.125%
HK$38,450
baseline
▲ 0.50% · 4.625%
HK$40,789
+HK$2,339/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,900/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,251
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,330
−HK$1,095/mo
Today · 4.125%
HK$42,425
baseline
▲ 0.50% · 4.625%
HK$44,662
+HK$2,237/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,850/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,211
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,524
−HK$1,334/mo
Today · 4.125%
HK$44,858
baseline
▲ 0.50% · 4.625%
HK$47,587
+HK$2,729/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,716/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,959
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,219
−HK$1,277/mo
Today · 4.125%
HK$49,496
baseline
▲ 0.50% · 4.625%
HK$52,105
+HK$2,609/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$98,992/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,271
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,959
−HK$1,715/mo
Today · 4.125%
HK$57,674
baseline
▲ 0.50% · 4.625%
HK$61,184
+HK$3,510/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,348/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,376
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,995
−HK$1,643/mo
Today · 4.125%
HK$63,638
baseline
▲ 0.50% · 4.625%
HK$66,992
+HK$3,354/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,276/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,843 · Scale 2, in force from 26 Feb 2026)