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$30,123
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,060
−HK$952/mo
Today · 4.125%
HK$32,012
baseline
▲ 0.50% · 4.625%
HK$33,960
+HK$1,948/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,024/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,512
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,411
−HK$911/mo
Today · 4.125%
HK$35,322
baseline
▲ 0.50% · 4.625%
HK$37,184
+HK$1,862/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,644/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,148
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,272
−HK$1,143/mo
Today · 4.125%
HK$38,415
baseline
▲ 0.50% · 4.625%
HK$40,752
+HK$2,337/mo
Deposit HK$5.28M · loan HK$7.93M · min. income ≈ HK$76,830/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,214
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,293
−HK$1,094/mo
Today · 4.125%
HK$42,387
baseline
▲ 0.50% · 4.625%
HK$44,621
+HK$2,234/mo
Deposit HK$5.28M · loan HK$7.93M · min. income ≈ HK$84,774/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,173
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,484
−HK$1,333/mo
Today · 4.125%
HK$44,817
baseline
▲ 0.50% · 4.625%
HK$47,544
+HK$2,727/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$89,634/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,917
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,175
−HK$1,276/mo
Today · 4.125%
HK$49,451
baseline
▲ 0.50% · 4.625%
HK$52,058
+HK$2,607/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$98,902/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,222
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,909
−HK$1,713/mo
Today · 4.125%
HK$57,622
baseline
▲ 0.50% · 4.625%
HK$61,128
+HK$3,506/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,244/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,321
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,939
−HK$1,641/mo
Today · 4.125%
HK$63,580
baseline
▲ 0.50% · 4.625%
HK$66,932
+HK$3,352/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,160/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,394 · Scale 2, in force from 26 Feb 2026)