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$30,160
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,098
−HK$953/mo
Today · 4.125%
HK$32,051
baseline
▲ 0.50% · 4.625%
HK$34,001
+HK$1,950/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,102/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,552
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,452
−HK$913/mo
Today · 4.125%
HK$35,365
baseline
▲ 0.50% · 4.625%
HK$37,229
+HK$1,864/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,730/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,192
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,317
−HK$1,144/mo
Today · 4.125%
HK$38,461
baseline
▲ 0.50% · 4.625%
HK$40,801
+HK$2,340/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,922/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$495,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,263
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,343
−HK$1,095/mo
Today · 4.125%
HK$42,438
baseline
▲ 0.50% · 4.625%
HK$44,675
+HK$2,237/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,876/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$495,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,224
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,537
−HK$1,334/mo
Today · 4.125%
HK$44,871
baseline
▲ 0.50% · 4.625%
HK$47,602
+HK$2,731/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,742/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,973
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,233
−HK$1,278/mo
Today · 4.125%
HK$49,511
baseline
▲ 0.50% · 4.625%
HK$52,121
+HK$2,610/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,022/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,287
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,976
−HK$1,716/mo
Today · 4.125%
HK$57,692
baseline
▲ 0.50% · 4.625%
HK$61,202
+HK$3,510/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,384/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,394
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,014
−HK$1,643/mo
Today · 4.125%
HK$63,657
baseline
▲ 0.50% · 4.625%
HK$67,013
+HK$3,356/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,314/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,992 · Scale 2, in force from 26 Feb 2026)