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$30,127
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,064
−HK$952/mo
Today · 4.125%
HK$32,016
baseline
▲ 0.50% · 4.625%
HK$33,964
+HK$1,948/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,032/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,516
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,415
−HK$911/mo
Today · 4.125%
HK$35,326
baseline
▲ 0.50% · 4.625%
HK$37,189
+HK$1,863/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,652/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,152
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,277
−HK$1,142/mo
Today · 4.125%
HK$38,419
baseline
▲ 0.50% · 4.625%
HK$40,757
+HK$2,338/mo
Deposit HK$5.28M · loan HK$7.93M · min. income ≈ HK$76,838/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,219
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,297
−HK$1,095/mo
Today · 4.125%
HK$42,392
baseline
▲ 0.50% · 4.625%
HK$44,626
+HK$2,234/mo
Deposit HK$5.28M · loan HK$7.93M · min. income ≈ HK$84,784/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,177
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,489
−HK$1,333/mo
Today · 4.125%
HK$44,822
baseline
▲ 0.50% · 4.625%
HK$47,550
+HK$2,728/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$89,644/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,922
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,180
−HK$1,277/mo
Today · 4.125%
HK$49,457
baseline
▲ 0.50% · 4.625%
HK$52,064
+HK$2,607/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$98,914/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,228
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,915
−HK$1,714/mo
Today · 4.125%
HK$57,629
baseline
▲ 0.50% · 4.625%
HK$61,135
+HK$3,506/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,258/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,328
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,946
−HK$1,642/mo
Today · 4.125%
HK$63,588
baseline
▲ 0.50% · 4.625%
HK$66,939
+HK$3,351/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,176/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,450 · Scale 2, in force from 26 Feb 2026)