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$1,897/mo
▼ 0.25% · 3.875%
HK$31,196
−HK$956/mo
Today · 4.125%
HK$32,152
baseline
▲ 0.50% · 4.625%
HK$34,108
+HK$1,956/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,304/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,658
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,561
−HK$915/mo
Today · 4.125%
HK$35,476
baseline
▲ 0.50% · 4.625%
HK$37,346
+HK$1,870/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,952/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,306
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,435
−HK$1,147/mo
Today · 4.125%
HK$38,582
baseline
▲ 0.50% · 4.625%
HK$40,930
+HK$2,348/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,164/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,390
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,473
−HK$1,099/mo
Today · 4.125%
HK$42,572
baseline
▲ 0.50% · 4.625%
HK$44,816
+HK$2,244/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,144/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,356
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,674
−HK$1,339/mo
Today · 4.125%
HK$45,013
baseline
▲ 0.50% · 4.625%
HK$47,752
+HK$2,739/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,026/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,121
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,385
−HK$1,282/mo
Today · 4.125%
HK$49,667
baseline
▲ 0.50% · 4.625%
HK$52,285
+HK$2,618/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,334/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,458
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,152
−HK$1,721/mo
Today · 4.125%
HK$57,873
baseline
▲ 0.50% · 4.625%
HK$61,395
+HK$3,522/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,746/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,584
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,209
−HK$1,649/mo
Today · 4.125%
HK$63,858
baseline
▲ 0.50% · 4.625%
HK$67,224
+HK$3,366/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,716/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,554 · Scale 2, in force from 26 Feb 2026)