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$30,130
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,067
−HK$952/mo
Today · 4.125%
HK$32,019
baseline
▲ 0.50% · 4.625%
HK$33,967
+HK$1,948/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,038/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,519
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,418
−HK$912/mo
Today · 4.125%
HK$35,330
baseline
▲ 0.50% · 4.625%
HK$37,192
+HK$1,862/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,660/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,156
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,280
−HK$1,143/mo
Today · 4.125%
HK$38,423
baseline
▲ 0.50% · 4.625%
HK$40,761
+HK$2,338/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,846/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,223
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,302
−HK$1,094/mo
Today · 4.125%
HK$42,396
baseline
▲ 0.50% · 4.625%
HK$44,631
+HK$2,235/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,792/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,182
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$43,494
−HK$1,333/mo
Today · 4.125%
HK$44,827
baseline
▲ 0.50% · 4.625%
HK$47,554
+HK$2,727/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$89,654/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,927
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,185
−HK$1,277/mo
Today · 4.125%
HK$49,462
baseline
▲ 0.50% · 4.625%
HK$52,069
+HK$2,607/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$98,924/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,233
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,920
−HK$1,714/mo
Today · 4.125%
HK$57,634
baseline
▲ 0.50% · 4.625%
HK$61,141
+HK$3,507/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,268/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,334
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,952
−HK$1,642/mo
Today · 4.125%
HK$63,594
baseline
▲ 0.50% · 4.625%
HK$66,946
+HK$3,352/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,188/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,499 · Scale 2, in force from 26 Feb 2026)