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$30,156
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,094
−HK$953/mo
Today · 4.125%
HK$32,047
baseline
▲ 0.50% · 4.625%
HK$33,997
+HK$1,950/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,094/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,548
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,448
−HK$913/mo
Today · 4.125%
HK$35,361
baseline
▲ 0.50% · 4.625%
HK$37,225
+HK$1,864/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,722/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,187
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,313
−HK$1,144/mo
Today · 4.125%
HK$38,457
baseline
▲ 0.50% · 4.625%
HK$40,797
+HK$2,340/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,914/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$495,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,258
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,338
−HK$1,095/mo
Today · 4.125%
HK$42,433
baseline
▲ 0.50% · 4.625%
HK$44,670
+HK$2,237/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,866/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$495,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,219
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,532
−HK$1,334/mo
Today · 4.125%
HK$44,866
baseline
▲ 0.50% · 4.625%
HK$47,596
+HK$2,730/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,732/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,968
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,227
−HK$1,278/mo
Today · 4.125%
HK$49,505
baseline
▲ 0.50% · 4.625%
HK$52,115
+HK$2,610/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,010/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,281
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,969
−HK$1,716/mo
Today · 4.125%
HK$57,685
baseline
▲ 0.50% · 4.625%
HK$61,195
+HK$3,510/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,370/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,387
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,007
−HK$1,643/mo
Today · 4.125%
HK$63,650
baseline
▲ 0.50% · 4.625%
HK$67,005
+HK$3,355/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,300/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,934 · Scale 2, in force from 26 Feb 2026)