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$30,233
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,173
−HK$956/mo
Today · 4.125%
HK$32,129
baseline
▲ 0.50% · 4.625%
HK$34,084
+HK$1,955/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,258/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,634
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,536
−HK$915/mo
Today · 4.125%
HK$35,451
baseline
▲ 0.50% · 4.625%
HK$37,320
+HK$1,869/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,902/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,279
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,408
−HK$1,147/mo
Today · 4.125%
HK$38,555
baseline
▲ 0.50% · 4.625%
HK$40,900
+HK$2,345/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$77,110/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,361
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,443
−HK$1,098/mo
Today · 4.125%
HK$42,541
baseline
▲ 0.50% · 4.625%
HK$44,784
+HK$2,243/mo
Deposit HK$5.30M · loan HK$7.96M · min. income ≈ HK$85,082/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,326
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,643
−HK$1,337/mo
Today · 4.125%
HK$44,980
baseline
▲ 0.50% · 4.625%
HK$47,717
+HK$2,737/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,960/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,087
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$48,350
−HK$1,281/mo
Today · 4.125%
HK$49,631
baseline
▲ 0.50% · 4.625%
HK$52,247
+HK$2,616/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,262/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,419
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,112
−HK$1,720/mo
Today · 4.125%
HK$57,832
baseline
▲ 0.50% · 4.625%
HK$61,351
+HK$3,519/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,664/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,541
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,165
−HK$1,647/mo
Today · 4.125%
HK$63,812
baseline
▲ 0.50% · 4.625%
HK$67,175
+HK$3,363/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,624/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,196 · Scale 2, in force from 26 Feb 2026)