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$30,140
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,078
−HK$952/mo
Today · 4.125%
HK$32,030
baseline
▲ 0.50% · 4.625%
HK$33,979
+HK$1,949/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,060/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,531
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,430
−HK$912/mo
Today · 4.125%
HK$35,342
baseline
▲ 0.50% · 4.625%
HK$37,205
+HK$1,863/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,684/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,168
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,293
−HK$1,143/mo
Today · 4.125%
HK$38,436
baseline
▲ 0.50% · 4.625%
HK$40,775
+HK$2,339/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,872/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,237
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,316
−HK$1,095/mo
Today · 4.125%
HK$42,411
baseline
▲ 0.50% · 4.625%
HK$44,646
+HK$2,235/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,822/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,196
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,509
−HK$1,334/mo
Today · 4.125%
HK$44,843
baseline
▲ 0.50% · 4.625%
HK$47,571
+HK$2,728/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$89,686/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,943
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,202
−HK$1,277/mo
Today · 4.125%
HK$49,479
baseline
▲ 0.50% · 4.625%
HK$52,087
+HK$2,608/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$98,958/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,253
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,940
−HK$1,715/mo
Today · 4.125%
HK$57,655
baseline
▲ 0.50% · 4.625%
HK$61,163
+HK$3,508/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,310/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,355
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,974
−HK$1,642/mo
Today · 4.125%
HK$63,616
baseline
▲ 0.50% · 4.625%
HK$66,970
+HK$3,354/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,232/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,674 · Scale 2, in force from 26 Feb 2026)