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$30,221
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,161
−HK$955/mo
Today · 4.125%
HK$32,116
baseline
▲ 0.50% · 4.625%
HK$34,070
+HK$1,954/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,232/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,620
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,522
−HK$915/mo
Today · 4.125%
HK$35,437
baseline
▲ 0.50% · 4.625%
HK$37,305
+HK$1,868/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,874/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,265
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,393
−HK$1,146/mo
Today · 4.125%
HK$38,539
baseline
▲ 0.50% · 4.625%
HK$40,884
+HK$2,345/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,078/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,344
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,426
−HK$1,098/mo
Today · 4.125%
HK$42,524
baseline
▲ 0.50% · 4.625%
HK$44,766
+HK$2,242/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,048/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,309
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,625
−HK$1,337/mo
Today · 4.125%
HK$44,962
baseline
▲ 0.50% · 4.625%
HK$47,698
+HK$2,736/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,924/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,069
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,331
−HK$1,281/mo
Today · 4.125%
HK$49,612
baseline
▲ 0.50% · 4.625%
HK$52,227
+HK$2,615/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,224/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,398
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,090
−HK$1,719/mo
Today · 4.125%
HK$57,809
baseline
▲ 0.50% · 4.625%
HK$61,326
+HK$3,517/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,618/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,517
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,140
−HK$1,646/mo
Today · 4.125%
HK$63,786
baseline
▲ 0.50% · 4.625%
HK$67,148
+HK$3,362/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,572/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,998 · Scale 2, in force from 26 Feb 2026)