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$30,226
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,166
−HK$955/mo
Today · 4.125%
HK$32,121
baseline
▲ 0.50% · 4.625%
HK$34,075
+HK$1,954/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,242/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$497,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,626
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,527
−HK$915/mo
Today · 4.125%
HK$35,442
baseline
▲ 0.50% · 4.625%
HK$37,310
+HK$1,868/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,884/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$497,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,271
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,399
−HK$1,146/mo
Today · 4.125%
HK$38,545
baseline
▲ 0.50% · 4.625%
HK$40,890
+HK$2,345/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,090/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,351
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,433
−HK$1,098/mo
Today · 4.125%
HK$42,531
baseline
▲ 0.50% · 4.625%
HK$44,773
+HK$2,242/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,062/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,316
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,632
−HK$1,337/mo
Today · 4.125%
HK$44,969
baseline
▲ 0.50% · 4.625%
HK$47,706
+HK$2,737/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,938/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,076
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$48,338
−HK$1,281/mo
Today · 4.125%
HK$49,619
baseline
▲ 0.50% · 4.625%
HK$52,235
+HK$2,616/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,238/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$497,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,406
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,098
−HK$1,720/mo
Today · 4.125%
HK$57,818
baseline
▲ 0.50% · 4.625%
HK$61,336
+HK$3,518/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$115,636/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,526
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,149
−HK$1,647/mo
Today · 4.125%
HK$63,796
baseline
▲ 0.50% · 4.625%
HK$67,159
+HK$3,363/mo
Deposit HK$1.33M · loan HK$11.93M · min. income ≈ HK$127,592/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,075 · Scale 2, in force from 26 Feb 2026)