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$30,184
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,123
−HK$954/mo
Today · 4.125%
HK$32,077
baseline
▲ 0.50% · 4.625%
HK$34,029
+HK$1,952/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,154/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,579
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,480
−HK$914/mo
Today · 4.125%
HK$35,394
baseline
▲ 0.50% · 4.625%
HK$37,259
+HK$1,865/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,788/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,221
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,347
−HK$1,145/mo
Today · 4.125%
HK$38,492
baseline
▲ 0.50% · 4.625%
HK$40,834
+HK$2,342/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,984/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,295
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,376
−HK$1,096/mo
Today · 4.125%
HK$42,472
baseline
▲ 0.50% · 4.625%
HK$44,711
+HK$2,239/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,944/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,258
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,572
−HK$1,335/mo
Today · 4.125%
HK$44,907
baseline
▲ 0.50% · 4.625%
HK$47,640
+HK$2,733/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,814/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,011
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,272
−HK$1,279/mo
Today · 4.125%
HK$49,551
baseline
▲ 0.50% · 4.625%
HK$52,163
+HK$2,612/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,102/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,331
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,021
−HK$1,717/mo
Today · 4.125%
HK$57,738
baseline
▲ 0.50% · 4.625%
HK$61,251
+HK$3,513/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,476/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,443
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,064
−HK$1,644/mo
Today · 4.125%
HK$63,708
baseline
▲ 0.50% · 4.625%
HK$67,066
+HK$3,358/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,416/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,391 · Scale 2, in force from 26 Feb 2026)