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$30,234
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,175
−HK$955/mo
Today · 4.125%
HK$32,130
baseline
▲ 0.50% · 4.625%
HK$34,085
+HK$1,955/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,260/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,635
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,538
−HK$915/mo
Today · 4.125%
HK$35,453
baseline
▲ 0.50% · 4.625%
HK$37,321
+HK$1,868/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,906/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,281
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,410
−HK$1,146/mo
Today · 4.125%
HK$38,556
baseline
▲ 0.50% · 4.625%
HK$40,903
+HK$2,347/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$77,112/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,363
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,445
−HK$1,098/mo
Today · 4.125%
HK$42,543
baseline
▲ 0.50% · 4.625%
HK$44,786
+HK$2,243/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$85,086/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,328
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,645
−HK$1,338/mo
Today · 4.125%
HK$44,983
baseline
▲ 0.50% · 4.625%
HK$47,720
+HK$2,737/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,966/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,090
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,353
−HK$1,281/mo
Today · 4.125%
HK$49,634
baseline
▲ 0.50% · 4.625%
HK$52,250
+HK$2,616/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,268/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,422
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,115
−HK$1,720/mo
Today · 4.125%
HK$57,835
baseline
▲ 0.50% · 4.625%
HK$61,354
+HK$3,519/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,670/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,544
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,168
−HK$1,647/mo
Today · 4.125%
HK$63,815
baseline
▲ 0.50% · 4.625%
HK$67,179
+HK$3,364/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,630/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,221 · Scale 2, in force from 26 Feb 2026)