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$30,220
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,160
−HK$955/mo
Today · 4.125%
HK$32,115
baseline
▲ 0.50% · 4.625%
HK$34,070
+HK$1,955/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,230/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,620
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,521
−HK$915/mo
Today · 4.125%
HK$35,436
baseline
▲ 0.50% · 4.625%
HK$37,304
+HK$1,868/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,872/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,264
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,392
−HK$1,146/mo
Today · 4.125%
HK$38,538
baseline
▲ 0.50% · 4.625%
HK$40,883
+HK$2,345/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,076/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,344
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,426
−HK$1,097/mo
Today · 4.125%
HK$42,523
baseline
▲ 0.50% · 4.625%
HK$44,765
+HK$2,242/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,046/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,308
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$43,624
−HK$1,338/mo
Today · 4.125%
HK$44,962
baseline
▲ 0.50% · 4.625%
HK$47,697
+HK$2,735/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,924/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,068
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,330
−HK$1,281/mo
Today · 4.125%
HK$49,611
baseline
▲ 0.50% · 4.625%
HK$52,226
+HK$2,615/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,222/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,397
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,089
−HK$1,719/mo
Today · 4.125%
HK$57,808
baseline
▲ 0.50% · 4.625%
HK$61,325
+HK$3,517/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,616/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,516
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,139
−HK$1,646/mo
Today · 4.125%
HK$63,785
baseline
▲ 0.50% · 4.625%
HK$67,147
+HK$3,362/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,570/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,989 · Scale 2, in force from 26 Feb 2026)