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$30,190
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,129
−HK$954/mo
Today · 4.125%
HK$32,083
baseline
▲ 0.50% · 4.625%
HK$34,035
+HK$1,952/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,166/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,586
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,486
−HK$914/mo
Today · 4.125%
HK$35,400
baseline
▲ 0.50% · 4.625%
HK$37,266
+HK$1,866/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,800/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,228
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,354
−HK$1,145/mo
Today · 4.125%
HK$38,499
baseline
▲ 0.50% · 4.625%
HK$40,842
+HK$2,343/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$76,998/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,303
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,384
−HK$1,096/mo
Today · 4.125%
HK$42,480
baseline
▲ 0.50% · 4.625%
HK$44,719
+HK$2,239/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$84,960/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,265
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,580
−HK$1,336/mo
Today · 4.125%
HK$44,916
baseline
▲ 0.50% · 4.625%
HK$47,649
+HK$2,733/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,832/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,020
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,281
−HK$1,279/mo
Today · 4.125%
HK$49,560
baseline
▲ 0.50% · 4.625%
HK$52,173
+HK$2,613/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,120/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,341
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,032
−HK$1,717/mo
Today · 4.125%
HK$57,749
baseline
▲ 0.50% · 4.625%
HK$61,263
+HK$3,514/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,498/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,454
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,075
−HK$1,645/mo
Today · 4.125%
HK$63,720
baseline
▲ 0.50% · 4.625%
HK$67,079
+HK$3,359/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,440/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,484 · Scale 2, in force from 26 Feb 2026)