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$30,145
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,082
−HK$953/mo
Today · 4.125%
HK$32,035
baseline
▲ 0.50% · 4.625%
HK$33,984
+HK$1,949/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,070/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,536
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,435
−HK$913/mo
Today · 4.125%
HK$35,348
baseline
▲ 0.50% · 4.625%
HK$37,211
+HK$1,863/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,696/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,174
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,299
−HK$1,143/mo
Today · 4.125%
HK$38,442
baseline
▲ 0.50% · 4.625%
HK$40,781
+HK$2,339/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,884/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,243
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,322
−HK$1,095/mo
Today · 4.125%
HK$42,417
baseline
▲ 0.50% · 4.625%
HK$44,653
+HK$2,236/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,834/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,203
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,515
−HK$1,334/mo
Today · 4.125%
HK$44,849
baseline
▲ 0.50% · 4.625%
HK$47,578
+HK$2,729/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$89,698/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,950
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,209
−HK$1,278/mo
Today · 4.125%
HK$49,487
baseline
▲ 0.50% · 4.625%
HK$52,095
+HK$2,608/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$98,974/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,261
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,948
−HK$1,715/mo
Today · 4.125%
HK$57,663
baseline
▲ 0.50% · 4.625%
HK$61,172
+HK$3,509/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,326/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,364
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,983
−HK$1,643/mo
Today · 4.125%
HK$63,626
baseline
▲ 0.50% · 4.625%
HK$66,980
+HK$3,354/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,252/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,747 · Scale 2, in force from 26 Feb 2026)