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$30,253
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,194
−HK$956/mo
Today · 4.125%
HK$32,150
baseline
▲ 0.50% · 4.625%
HK$34,106
+HK$1,956/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,300/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,656
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,559
−HK$915/mo
Today · 4.125%
HK$35,474
baseline
▲ 0.50% · 4.625%
HK$37,344
+HK$1,870/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,948/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,303
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,433
−HK$1,147/mo
Today · 4.125%
HK$38,580
baseline
▲ 0.50% · 4.625%
HK$40,927
+HK$2,347/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,160/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,387
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,470
−HK$1,099/mo
Today · 4.125%
HK$42,569
baseline
▲ 0.50% · 4.625%
HK$44,813
+HK$2,244/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,138/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,354
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,671
−HK$1,339/mo
Today · 4.125%
HK$45,010
baseline
▲ 0.50% · 4.625%
HK$47,749
+HK$2,739/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,020/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,118
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,382
−HK$1,282/mo
Today · 4.125%
HK$49,664
baseline
▲ 0.50% · 4.625%
HK$52,282
+HK$2,618/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,328/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,455
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,149
−HK$1,721/mo
Today · 4.125%
HK$57,870
baseline
▲ 0.50% · 4.625%
HK$61,391
+HK$3,521/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,740/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,581
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,206
−HK$1,648/mo
Today · 4.125%
HK$63,854
baseline
▲ 0.50% · 4.625%
HK$67,220
+HK$3,366/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,708/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,524 · Scale 2, in force from 26 Feb 2026)