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$30,254
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,195
−HK$957/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$497,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,658
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,560
−HK$916/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$497,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,305
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,434
−HK$1,148/mo
Today · 4.125%
HK$38,582
baseline
▲ 0.50% · 4.625%
HK$40,929
+HK$2,347/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$497,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,389
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,472
−HK$1,099/mo
Today · 4.125%
HK$42,571
baseline
▲ 0.50% · 4.625%
HK$44,815
+HK$2,244/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,142/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,356
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,674
−HK$1,338/mo
Today · 4.125%
HK$45,012
baseline
▲ 0.50% · 4.625%
HK$47,751
+HK$2,739/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,024/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,121
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,384
−HK$1,282/mo
Today · 4.125%
HK$49,666
baseline
▲ 0.50% · 4.625%
HK$52,284
+HK$2,618/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,332/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,548 · 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$61,394
+HK$3,521/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$497,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,584
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,209
−HK$1,648/mo
Today · 4.125%
HK$63,857
baseline
▲ 0.50% · 4.625%
HK$67,223
+HK$3,366/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,714/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,548 · Scale 2, in force from 26 Feb 2026)