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$30,192
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,131
−HK$954/mo
Today · 4.125%
HK$32,085
baseline
▲ 0.50% · 4.625%
HK$34,037
+HK$1,952/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,170/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,588
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,489
−HK$914/mo
Today · 4.125%
HK$35,403
baseline
▲ 0.50% · 4.625%
HK$37,269
+HK$1,866/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,806/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,230
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,357
−HK$1,145/mo
Today · 4.125%
HK$38,502
baseline
▲ 0.50% · 4.625%
HK$40,845
+HK$2,343/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$77,004/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,306
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,387
−HK$1,096/mo
Today · 4.125%
HK$42,483
baseline
▲ 0.50% · 4.625%
HK$44,723
+HK$2,240/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$84,966/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,268
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,583
−HK$1,336/mo
Today · 4.125%
HK$44,919
baseline
▲ 0.50% · 4.625%
HK$47,652
+HK$2,733/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,838/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,023
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,284
−HK$1,280/mo
Today · 4.125%
HK$49,564
baseline
▲ 0.50% · 4.625%
HK$52,176
+HK$2,612/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,128/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,345
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,036
−HK$1,717/mo
Today · 4.125%
HK$57,753
baseline
▲ 0.50% · 4.625%
HK$61,267
+HK$3,514/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,506/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,458
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,080
−HK$1,645/mo
Today · 4.125%
HK$63,725
baseline
▲ 0.50% · 4.625%
HK$67,084
+HK$3,359/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,450/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,520 · Scale 2, in force from 26 Feb 2026)