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$30,236
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,176
−HK$956/mo
Today · 4.125%
HK$32,132
baseline
▲ 0.50% · 4.625%
HK$34,087
+HK$1,955/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,264/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,637
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,539
−HK$915/mo
Today · 4.125%
HK$35,454
baseline
▲ 0.50% · 4.625%
HK$37,323
+HK$1,869/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,908/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,283
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,412
−HK$1,146/mo
Today · 4.125%
HK$38,558
baseline
▲ 0.50% · 4.625%
HK$40,904
+HK$2,346/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$77,116/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,365
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,447
−HK$1,098/mo
Today · 4.125%
HK$42,545
baseline
▲ 0.50% · 4.625%
HK$44,788
+HK$2,243/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$85,090/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,330
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,647
−HK$1,338/mo
Today · 4.125%
HK$44,985
baseline
▲ 0.50% · 4.625%
HK$47,722
+HK$2,737/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,970/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,092
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,355
−HK$1,281/mo
Today · 4.125%
HK$49,636
baseline
▲ 0.50% · 4.625%
HK$52,253
+HK$2,617/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,272/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,425
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,117
−HK$1,720/mo
Today · 4.125%
HK$57,837
baseline
▲ 0.50% · 4.625%
HK$61,357
+HK$3,520/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,674/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,547
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,171
−HK$1,647/mo
Today · 4.125%
HK$63,818
baseline
▲ 0.50% · 4.625%
HK$67,182
+HK$3,364/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,636/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,245 · Scale 2, in force from 26 Feb 2026)