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$30,160
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,099
−HK$953/mo
Today · 4.125%
HK$32,052
baseline
▲ 0.50% · 4.625%
HK$34,002
+HK$1,950/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,104/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,553
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,453
−HK$913/mo
Today · 4.125%
HK$35,366
baseline
▲ 0.50% · 4.625%
HK$37,230
+HK$1,864/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,732/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,192
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,318
−HK$1,144/mo
Today · 4.125%
HK$38,462
baseline
▲ 0.50% · 4.625%
HK$40,802
+HK$2,340/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,924/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,264
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,344
−HK$1,095/mo
Today · 4.125%
HK$42,439
baseline
▲ 0.50% · 4.625%
HK$44,676
+HK$2,237/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,878/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,224
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,538
−HK$1,334/mo
Today · 4.125%
HK$44,872
baseline
▲ 0.50% · 4.625%
HK$47,603
+HK$2,731/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,744/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$496,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,974
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,234
−HK$1,278/mo
Today · 4.125%
HK$49,512
baseline
▲ 0.50% · 4.625%
HK$52,122
+HK$2,610/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,024/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$496,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,289
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,977
−HK$1,716/mo
Today · 4.125%
HK$57,693
baseline
▲ 0.50% · 4.625%
HK$61,203
+HK$3,510/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,386/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,396
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,015
−HK$1,644/mo
Today · 4.125%
HK$63,659
baseline
▲ 0.50% · 4.625%
HK$67,014
+HK$3,355/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,318/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,003 · Scale 2, in force from 26 Feb 2026)