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$30,250
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,191
−HK$956/mo
Today · 4.125%
HK$32,147
baseline
▲ 0.50% · 4.625%
HK$34,103
+HK$1,956/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,294/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,652
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,555
−HK$916/mo
Today · 4.125%
HK$35,471
baseline
▲ 0.50% · 4.625%
HK$37,340
+HK$1,869/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,942/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,300
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,429
−HK$1,147/mo
Today · 4.125%
HK$38,576
baseline
▲ 0.50% · 4.625%
HK$40,923
+HK$2,347/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,152/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,383
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,466
−HK$1,099/mo
Today · 4.125%
HK$42,565
baseline
▲ 0.50% · 4.625%
HK$44,808
+HK$2,243/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,130/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,350
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,667
−HK$1,338/mo
Today · 4.125%
HK$45,005
baseline
▲ 0.50% · 4.625%
HK$47,744
+HK$2,739/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,010/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,113
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,377
−HK$1,282/mo
Today · 4.125%
HK$49,659
baseline
▲ 0.50% · 4.625%
HK$52,276
+HK$2,617/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,318/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,449
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,143
−HK$1,721/mo
Today · 4.125%
HK$57,864
baseline
▲ 0.50% · 4.625%
HK$61,385
+HK$3,521/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,728/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,574
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,199
−HK$1,648/mo
Today · 4.125%
HK$63,847
baseline
▲ 0.50% · 4.625%
HK$67,212
+HK$3,365/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,694/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,472 · Scale 2, in force from 26 Feb 2026)