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$30,245
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,186
−HK$955/mo
Today · 4.125%
HK$32,141
baseline
▲ 0.50% · 4.625%
HK$34,097
+HK$1,956/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$64,282/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,647
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,549
−HK$916/mo
Today · 4.125%
HK$35,465
baseline
▲ 0.50% · 4.625%
HK$37,334
+HK$1,869/mo
Deposit HK$6.63M · loan HK$6.63M · min. income ≈ HK$70,930/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,294
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,423
−HK$1,147/mo
Today · 4.125%
HK$38,570
baseline
▲ 0.50% · 4.625%
HK$40,916
+HK$2,346/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,140/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,376
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,459
−HK$1,099/mo
Today · 4.125%
HK$42,558
baseline
▲ 0.50% · 4.625%
HK$44,801
+HK$2,243/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,116/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$497,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,343
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,660
−HK$1,338/mo
Today · 4.125%
HK$44,998
baseline
▲ 0.50% · 4.625%
HK$47,736
+HK$2,738/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$89,996/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,106
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,369
−HK$1,282/mo
Today · 4.125%
HK$49,651
baseline
▲ 0.50% · 4.625%
HK$52,268
+HK$2,617/mo
Deposit HK$3.98M · loan HK$9.28M · min. income ≈ HK$99,302/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,441
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,134
−HK$1,720/mo
Today · 4.125%
HK$57,854
baseline
▲ 0.50% · 4.625%
HK$61,375
+HK$3,521/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,708/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,565
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,189
−HK$1,648/mo
Today · 4.125%
HK$63,837
baseline
▲ 0.50% · 4.625%
HK$67,202
+HK$3,365/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,674/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,391 · Scale 2, in force from 26 Feb 2026)