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$30,219
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,159
−HK$955/mo
Today · 4.125%
HK$32,114
baseline
▲ 0.50% · 4.625%
HK$34,068
+HK$1,954/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,228/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,618
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,520
−HK$915/mo
Today · 4.125%
HK$35,435
baseline
▲ 0.50% · 4.625%
HK$37,303
+HK$1,868/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,870/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,263
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,391
−HK$1,146/mo
Today · 4.125%
HK$38,537
baseline
▲ 0.50% · 4.625%
HK$40,882
+HK$2,345/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,074/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,342
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,424
−HK$1,098/mo
Today · 4.125%
HK$42,522
baseline
▲ 0.50% · 4.625%
HK$44,763
+HK$2,241/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,044/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,307
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,623
−HK$1,337/mo
Today · 4.125%
HK$44,960
baseline
▲ 0.50% · 4.625%
HK$47,695
+HK$2,735/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,920/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,066
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,328
−HK$1,281/mo
Today · 4.125%
HK$49,609
baseline
▲ 0.50% · 4.625%
HK$52,224
+HK$2,615/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,218/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,394
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,086
−HK$1,719/mo
Today · 4.125%
HK$57,805
baseline
▲ 0.50% · 4.625%
HK$61,323
+HK$3,518/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,610/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,513
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,136
−HK$1,646/mo
Today · 4.125%
HK$63,782
baseline
▲ 0.50% · 4.625%
HK$67,145
+HK$3,363/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,564/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,969 · Scale 2, in force from 26 Feb 2026)