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$30,248
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,188
−HK$956/mo
Today · 4.125%
HK$32,144
baseline
▲ 0.50% · 4.625%
HK$34,100
+HK$1,956/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,288/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,650
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,553
−HK$915/mo
Today · 4.125%
HK$35,468
baseline
▲ 0.50% · 4.625%
HK$37,338
+HK$1,870/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,936/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,297
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,426
−HK$1,147/mo
Today · 4.125%
HK$38,573
baseline
▲ 0.50% · 4.625%
HK$40,920
+HK$2,347/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,146/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,380
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,463
−HK$1,099/mo
Today · 4.125%
HK$42,562
baseline
▲ 0.50% · 4.625%
HK$44,805
+HK$2,243/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,124/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,347
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,664
−HK$1,338/mo
Today · 4.125%
HK$45,002
baseline
▲ 0.50% · 4.625%
HK$47,740
+HK$2,738/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,004/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,110
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,374
−HK$1,281/mo
Today · 4.125%
HK$49,655
baseline
▲ 0.50% · 4.625%
HK$52,273
+HK$2,618/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,310/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,446
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,139
−HK$1,721/mo
Today · 4.125%
HK$57,860
baseline
▲ 0.50% · 4.625%
HK$61,380
+HK$3,520/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,720/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,570
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,195
−HK$1,648/mo
Today · 4.125%
HK$63,843
baseline
▲ 0.50% · 4.625%
HK$67,208
+HK$3,365/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,686/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,437 · Scale 2, in force from 26 Feb 2026)