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$30,177
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,115
−HK$954/mo
Today · 4.125%
HK$32,069
baseline
▲ 0.50% · 4.625%
HK$34,020
+HK$1,951/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,138/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,571
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,472
−HK$913/mo
Today · 4.125%
HK$35,385
baseline
▲ 0.50% · 4.625%
HK$37,250
+HK$1,865/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,770/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,212
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,338
−HK$1,145/mo
Today · 4.125%
HK$38,483
baseline
▲ 0.50% · 4.625%
HK$40,824
+HK$2,341/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,966/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,285
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,366
−HK$1,096/mo
Today · 4.125%
HK$42,462
baseline
▲ 0.50% · 4.625%
HK$44,700
+HK$2,238/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,924/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,247
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,561
−HK$1,336/mo
Today · 4.125%
HK$44,897
baseline
▲ 0.50% · 4.625%
HK$47,628
+HK$2,731/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,794/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,000
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,260
−HK$1,279/mo
Today · 4.125%
HK$49,539
baseline
▲ 0.50% · 4.625%
HK$52,150
+HK$2,611/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,078/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,318
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,008
−HK$1,716/mo
Today · 4.125%
HK$57,724
baseline
▲ 0.50% · 4.625%
HK$61,237
+HK$3,513/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,448/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,428
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,049
−HK$1,644/mo
Today · 4.125%
HK$63,693
baseline
▲ 0.50% · 4.625%
HK$67,050
+HK$3,357/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,386/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,271 · Scale 2, in force from 26 Feb 2026)