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$30,246
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,187
−HK$956/mo
Today · 4.125%
HK$32,143
baseline
▲ 0.50% · 4.625%
HK$34,099
+HK$1,956/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,286/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,649
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,551
−HK$916/mo
Today · 4.125%
HK$35,467
baseline
▲ 0.50% · 4.625%
HK$37,336
+HK$1,869/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,934/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,296
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,425
−HK$1,147/mo
Today · 4.125%
HK$38,572
baseline
▲ 0.50% · 4.625%
HK$40,919
+HK$2,347/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,144/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,379
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,462
−HK$1,098/mo
Today · 4.125%
HK$42,560
baseline
▲ 0.50% · 4.625%
HK$44,804
+HK$2,244/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,120/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,345
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,662
−HK$1,338/mo
Today · 4.125%
HK$45,000
baseline
▲ 0.50% · 4.625%
HK$47,739
+HK$2,739/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,000/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,108
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,372
−HK$1,282/mo
Today · 4.125%
HK$49,654
baseline
▲ 0.50% · 4.625%
HK$52,271
+HK$2,617/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,308/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,444
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,137
−HK$1,721/mo
Today · 4.125%
HK$57,858
baseline
▲ 0.50% · 4.625%
HK$61,378
+HK$3,520/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,716/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,568
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,192
−HK$1,648/mo
Today · 4.125%
HK$63,840
baseline
▲ 0.50% · 4.625%
HK$67,205
+HK$3,365/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,680/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,419 · Scale 2, in force from 26 Feb 2026)