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$30,244
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,185
−HK$955/mo
Today · 4.125%
HK$32,140
baseline
▲ 0.50% · 4.625%
HK$34,096
+HK$1,956/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,280/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,646
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,548
−HK$916/mo
Today · 4.125%
HK$35,464
baseline
▲ 0.50% · 4.625%
HK$37,333
+HK$1,869/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,928/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,293
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,421
−HK$1,147/mo
Today · 4.125%
HK$38,568
baseline
▲ 0.50% · 4.625%
HK$40,915
+HK$2,347/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,136/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,375
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,458
−HK$1,098/mo
Today · 4.125%
HK$42,556
baseline
▲ 0.50% · 4.625%
HK$44,800
+HK$2,244/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,112/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,341
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,658
−HK$1,338/mo
Today · 4.125%
HK$44,996
baseline
▲ 0.50% · 4.625%
HK$47,734
+HK$2,738/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,992/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,104
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,368
−HK$1,281/mo
Today · 4.125%
HK$49,649
baseline
▲ 0.50% · 4.625%
HK$52,266
+HK$2,617/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,298/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,439
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,132
−HK$1,721/mo
Today · 4.125%
HK$57,853
baseline
▲ 0.50% · 4.625%
HK$61,373
+HK$3,520/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,706/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,563
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,187
−HK$1,648/mo
Today · 4.125%
HK$63,835
baseline
▲ 0.50% · 4.625%
HK$67,199
+HK$3,364/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,670/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,375 · Scale 2, in force from 26 Feb 2026)