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$30,223
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,163
−HK$956/mo
Today · 4.125%
HK$32,119
baseline
▲ 0.50% · 4.625%
HK$34,073
+HK$1,954/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,238/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$497,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,623
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,525
−HK$915/mo
Today · 4.125%
HK$35,440
baseline
▲ 0.50% · 4.625%
HK$37,308
+HK$1,868/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,880/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$497,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,268
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,396
−HK$1,146/mo
Today · 4.125%
HK$38,542
baseline
▲ 0.50% · 4.625%
HK$40,887
+HK$2,345/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,084/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,348
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,430
−HK$1,098/mo
Today · 4.125%
HK$42,528
baseline
▲ 0.50% · 4.625%
HK$44,769
+HK$2,241/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,056/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,313
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,629
−HK$1,337/mo
Today · 4.125%
HK$44,966
baseline
▲ 0.50% · 4.625%
HK$47,702
+HK$2,736/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,932/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,072
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,335
−HK$1,280/mo
Today · 4.125%
HK$49,615
baseline
▲ 0.50% · 4.625%
HK$52,231
+HK$2,616/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,230/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,402
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,094
−HK$1,719/mo
Today · 4.125%
HK$57,813
baseline
▲ 0.50% · 4.625%
HK$61,331
+HK$3,518/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,626/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,521
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,145
−HK$1,646/mo
Today · 4.125%
HK$63,791
baseline
▲ 0.50% · 4.625%
HK$67,154
+HK$3,363/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,582/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,037 · Scale 2, in force from 26 Feb 2026)