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$30,227
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,167
−HK$955/mo
Today · 4.125%
HK$32,122
baseline
▲ 0.50% · 4.625%
HK$34,077
+HK$1,955/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,244/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,627
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,529
−HK$915/mo
Today · 4.125%
HK$35,444
baseline
▲ 0.50% · 4.625%
HK$37,312
+HK$1,868/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,888/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,272
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,401
−HK$1,146/mo
Today · 4.125%
HK$38,547
baseline
▲ 0.50% · 4.625%
HK$40,892
+HK$2,345/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,094/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,353
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,435
−HK$1,098/mo
Today · 4.125%
HK$42,533
baseline
▲ 0.50% · 4.625%
HK$44,775
+HK$2,242/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,066/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,318
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,634
−HK$1,337/mo
Today · 4.125%
HK$44,971
baseline
▲ 0.50% · 4.625%
HK$47,708
+HK$2,737/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,942/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,078
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,341
−HK$1,281/mo
Today · 4.125%
HK$49,622
baseline
▲ 0.50% · 4.625%
HK$52,237
+HK$2,615/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,244/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,409
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,101
−HK$1,719/mo
Today · 4.125%
HK$57,820
baseline
▲ 0.50% · 4.625%
HK$61,339
+HK$3,519/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,640/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,529
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,152
−HK$1,647/mo
Today · 4.125%
HK$63,799
baseline
▲ 0.50% · 4.625%
HK$67,162
+HK$3,363/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,598/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,099 · Scale 2, in force from 26 Feb 2026)