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$30,180
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,119
−HK$953/mo
Today · 4.125%
HK$32,072
baseline
▲ 0.50% · 4.625%
HK$34,024
+HK$1,952/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,144/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,575
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,475
−HK$914/mo
Today · 4.125%
HK$35,389
baseline
▲ 0.50% · 4.625%
HK$37,254
+HK$1,865/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,778/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,216
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,342
−HK$1,145/mo
Today · 4.125%
HK$38,487
baseline
▲ 0.50% · 4.625%
HK$40,829
+HK$2,342/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,974/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,290
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,370
−HK$1,096/mo
Today · 4.125%
HK$42,466
baseline
▲ 0.50% · 4.625%
HK$44,705
+HK$2,239/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,932/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,252
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,566
−HK$1,335/mo
Today · 4.125%
HK$44,901
baseline
▲ 0.50% · 4.625%
HK$47,633
+HK$2,732/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,802/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,005
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,265
−HK$1,279/mo
Today · 4.125%
HK$49,544
baseline
▲ 0.50% · 4.625%
HK$52,156
+HK$2,612/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,088/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,324
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,013
−HK$1,717/mo
Today · 4.125%
HK$57,730
baseline
▲ 0.50% · 4.625%
HK$61,243
+HK$3,513/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,460/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,435
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,055
−HK$1,645/mo
Today · 4.125%
HK$63,700
baseline
▲ 0.50% · 4.625%
HK$67,057
+HK$3,357/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,400/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,323 · Scale 2, in force from 26 Feb 2026)