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$30,187
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,126
−HK$954/mo
Today · 4.125%
HK$32,080
baseline
▲ 0.50% · 4.625%
HK$34,032
+HK$1,952/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,160/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,583
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,484
−HK$913/mo
Today · 4.125%
HK$35,397
baseline
▲ 0.50% · 4.625%
HK$37,263
+HK$1,866/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,794/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,225
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,351
−HK$1,145/mo
Today · 4.125%
HK$38,496
baseline
▲ 0.50% · 4.625%
HK$40,839
+HK$2,343/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$76,992/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,300
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,380
−HK$1,097/mo
Today · 4.125%
HK$42,477
baseline
▲ 0.50% · 4.625%
HK$44,716
+HK$2,239/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$84,954/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,262
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,577
−HK$1,335/mo
Today · 4.125%
HK$44,912
baseline
▲ 0.50% · 4.625%
HK$47,645
+HK$2,733/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,824/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,016
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,277
−HK$1,279/mo
Today · 4.125%
HK$49,556
baseline
▲ 0.50% · 4.625%
HK$52,168
+HK$2,612/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,112/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,337
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,027
−HK$1,717/mo
Today · 4.125%
HK$57,744
baseline
▲ 0.50% · 4.625%
HK$61,258
+HK$3,514/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,488/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,449
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,071
−HK$1,644/mo
Today · 4.125%
HK$63,715
baseline
▲ 0.50% · 4.625%
HK$67,074
+HK$3,359/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,430/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,445 · Scale 2, in force from 26 Feb 2026)