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$30,243
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,184
−HK$955/mo
Today · 4.125%
HK$32,139
baseline
▲ 0.50% · 4.625%
HK$34,095
+HK$1,956/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,278/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,645
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,547
−HK$916/mo
Today · 4.125%
HK$35,463
baseline
▲ 0.50% · 4.625%
HK$37,332
+HK$1,869/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,926/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,292
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,420
−HK$1,147/mo
Today · 4.125%
HK$38,567
baseline
▲ 0.50% · 4.625%
HK$40,914
+HK$2,347/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,134/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,374
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,457
−HK$1,098/mo
Today · 4.125%
HK$42,555
baseline
▲ 0.50% · 4.625%
HK$44,798
+HK$2,243/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,110/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,340
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,657
−HK$1,338/mo
Today · 4.125%
HK$44,995
baseline
▲ 0.50% · 4.625%
HK$47,733
+HK$2,738/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,990/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,103
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,366
−HK$1,282/mo
Today · 4.125%
HK$49,648
baseline
▲ 0.50% · 4.625%
HK$52,265
+HK$2,617/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,296/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,437
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,131
−HK$1,720/mo
Today · 4.125%
HK$57,851
baseline
▲ 0.50% · 4.625%
HK$61,371
+HK$3,520/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,702/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,561
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,185
−HK$1,648/mo
Today · 4.125%
HK$63,833
baseline
▲ 0.50% · 4.625%
HK$67,198
+HK$3,365/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,666/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,362 · Scale 2, in force from 26 Feb 2026)