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$30,255
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,196
−HK$957/mo
Today · 4.125%
HK$32,153
baseline
▲ 0.50% · 4.625%
HK$34,109
+HK$1,956/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,306/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,659
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,561
−HK$916/mo
Today · 4.125%
HK$35,477
baseline
▲ 0.50% · 4.625%
HK$37,347
+HK$1,870/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,954/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,306
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,436
−HK$1,147/mo
Today · 4.125%
HK$38,583
baseline
▲ 0.50% · 4.625%
HK$40,931
+HK$2,348/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,166/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,390
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,474
−HK$1,099/mo
Today · 4.125%
HK$42,573
baseline
▲ 0.50% · 4.625%
HK$44,817
+HK$2,244/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,146/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,357
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,675
−HK$1,339/mo
Today · 4.125%
HK$45,014
baseline
▲ 0.50% · 4.625%
HK$47,753
+HK$2,739/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,028/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,122
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,386
−HK$1,282/mo
Today · 4.125%
HK$49,668
baseline
▲ 0.50% · 4.625%
HK$52,286
+HK$2,618/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,336/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,460
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,154
−HK$1,721/mo
Today · 4.125%
HK$57,875
baseline
▲ 0.50% · 4.625%
HK$61,396
+HK$3,521/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,750/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,586
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,211
−HK$1,648/mo
Today · 4.125%
HK$63,859
baseline
▲ 0.50% · 4.625%
HK$67,225
+HK$3,366/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,718/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,565 · Scale 2, in force from 26 Feb 2026)