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$30,231
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,171
−HK$956/mo
Today · 4.125%
HK$32,127
baseline
▲ 0.50% · 4.625%
HK$34,082
+HK$1,955/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,254/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,632
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,534
−HK$915/mo
Today · 4.125%
HK$35,449
baseline
▲ 0.50% · 4.625%
HK$37,317
+HK$1,868/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,898/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,277
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,406
−HK$1,146/mo
Today · 4.125%
HK$38,552
baseline
▲ 0.50% · 4.625%
HK$40,898
+HK$2,346/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,104/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,358
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,440
−HK$1,098/mo
Today · 4.125%
HK$42,538
baseline
▲ 0.50% · 4.625%
HK$44,781
+HK$2,243/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,076/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,323
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,640
−HK$1,338/mo
Today · 4.125%
HK$44,978
baseline
▲ 0.50% · 4.625%
HK$47,714
+HK$2,736/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,956/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,084
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,347
−HK$1,281/mo
Today · 4.125%
HK$49,628
baseline
▲ 0.50% · 4.625%
HK$52,244
+HK$2,616/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,256/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,416
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,109
−HK$1,719/mo
Today · 4.125%
HK$57,828
baseline
▲ 0.50% · 4.625%
HK$61,347
+HK$3,519/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,656/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,537
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,161
−HK$1,647/mo
Today · 4.125%
HK$63,808
baseline
▲ 0.50% · 4.625%
HK$67,171
+HK$3,363/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,616/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,166 · Scale 2, in force from 26 Feb 2026)