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$30,217
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,157
−HK$955/mo
Today · 4.125%
HK$32,112
baseline
▲ 0.50% · 4.625%
HK$34,066
+HK$1,954/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,224/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,617
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,518
−HK$915/mo
Today · 4.125%
HK$35,433
baseline
▲ 0.50% · 4.625%
HK$37,300
+HK$1,867/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,866/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,261
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,389
−HK$1,146/mo
Today · 4.125%
HK$38,535
baseline
▲ 0.50% · 4.625%
HK$40,880
+HK$2,345/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,070/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,340
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,422
−HK$1,097/mo
Today · 4.125%
HK$42,519
baseline
▲ 0.50% · 4.625%
HK$44,761
+HK$2,242/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,038/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,304
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,620
−HK$1,337/mo
Today · 4.125%
HK$44,957
baseline
▲ 0.50% · 4.625%
HK$47,693
+HK$2,736/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,914/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,063
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,325
−HK$1,281/mo
Today · 4.125%
HK$49,606
baseline
▲ 0.50% · 4.625%
HK$52,221
+HK$2,615/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,212/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,391
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,083
−HK$1,719/mo
Today · 4.125%
HK$57,802
baseline
▲ 0.50% · 4.625%
HK$61,319
+HK$3,517/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,604/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,510
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,133
−HK$1,646/mo
Today · 4.125%
HK$63,779
baseline
▲ 0.50% · 4.625%
HK$67,141
+HK$3,362/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,558/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,941 · Scale 2, in force from 26 Feb 2026)