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$30,141
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,079
−HK$952/mo
Today · 4.125%
HK$32,031
baseline
▲ 0.50% · 4.625%
HK$33,980
+HK$1,949/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,062/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,532
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,431
−HK$912/mo
Today · 4.125%
HK$35,343
baseline
▲ 0.50% · 4.625%
HK$37,206
+HK$1,863/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,686/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,169
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,294
−HK$1,143/mo
Today · 4.125%
HK$38,437
baseline
▲ 0.50% · 4.625%
HK$40,776
+HK$2,339/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,874/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,238
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,317
−HK$1,095/mo
Today · 4.125%
HK$42,412
baseline
▲ 0.50% · 4.625%
HK$44,647
+HK$2,235/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,824/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,197
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,510
−HK$1,334/mo
Today · 4.125%
HK$44,844
baseline
▲ 0.50% · 4.625%
HK$47,572
+HK$2,728/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$89,688/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,944
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,203
−HK$1,278/mo
Today · 4.125%
HK$49,481
baseline
▲ 0.50% · 4.625%
HK$52,089
+HK$2,608/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$98,962/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,254
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,941
−HK$1,715/mo
Today · 4.125%
HK$57,656
baseline
▲ 0.50% · 4.625%
HK$61,164
+HK$3,508/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,312/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,357
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,976
−HK$1,642/mo
Today · 4.125%
HK$63,618
baseline
▲ 0.50% · 4.625%
HK$66,971
+HK$3,353/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,236/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,686 · Scale 2, in force from 26 Feb 2026)