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$30,145
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,083
−HK$953/mo
Today · 4.125%
HK$32,036
baseline
▲ 0.50% · 4.625%
HK$33,985
+HK$1,949/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,072/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,536
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,436
−HK$912/mo
Today · 4.125%
HK$35,348
baseline
▲ 0.50% · 4.625%
HK$37,211
+HK$1,863/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,696/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,174
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,300
−HK$1,143/mo
Today · 4.125%
HK$38,443
baseline
▲ 0.50% · 4.625%
HK$40,782
+HK$2,339/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,886/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,244
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,323
−HK$1,095/mo
Today · 4.125%
HK$42,418
baseline
▲ 0.50% · 4.625%
HK$44,654
+HK$2,236/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,836/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,203
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,516
−HK$1,334/mo
Today · 4.125%
HK$44,850
baseline
▲ 0.50% · 4.625%
HK$47,579
+HK$2,729/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$89,700/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,951
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,210
−HK$1,277/mo
Today · 4.125%
HK$49,487
baseline
▲ 0.50% · 4.625%
HK$52,096
+HK$2,609/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$98,974/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,261
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,949
−HK$1,715/mo
Today · 4.125%
HK$57,664
baseline
▲ 0.50% · 4.625%
HK$61,173
+HK$3,509/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,328/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,365
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,984
−HK$1,643/mo
Today · 4.125%
HK$63,627
baseline
▲ 0.50% · 4.625%
HK$66,980
+HK$3,353/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,254/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,755 · Scale 2, in force from 26 Feb 2026)