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$30,206
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,145
−HK$955/mo
Today · 4.125%
HK$32,100
baseline
▲ 0.50% · 4.625%
HK$34,053
+HK$1,953/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,200/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,603
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,505
−HK$914/mo
Today · 4.125%
HK$35,419
baseline
▲ 0.50% · 4.625%
HK$37,286
+HK$1,867/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,838/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,247
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,374
−HK$1,146/mo
Today · 4.125%
HK$38,520
baseline
▲ 0.50% · 4.625%
HK$40,864
+HK$2,344/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,040/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,324
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,406
−HK$1,097/mo
Today · 4.125%
HK$42,503
baseline
▲ 0.50% · 4.625%
HK$44,743
+HK$2,240/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,006/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,288
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,603
−HK$1,337/mo
Today · 4.125%
HK$44,940
baseline
▲ 0.50% · 4.625%
HK$47,674
+HK$2,734/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,880/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,045
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,307
−HK$1,279/mo
Today · 4.125%
HK$49,586
baseline
▲ 0.50% · 4.625%
HK$52,200
+HK$2,614/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,172/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,370
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,061
−HK$1,719/mo
Today · 4.125%
HK$57,780
baseline
▲ 0.50% · 4.625%
HK$61,295
+HK$3,515/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,560/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,486
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,108
−HK$1,646/mo
Today · 4.125%
HK$63,754
baseline
▲ 0.50% · 4.625%
HK$67,115
+HK$3,361/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,508/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,747 · Scale 2, in force from 26 Feb 2026)