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$30,175
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,114
−HK$954/mo
Today · 4.125%
HK$32,068
baseline
▲ 0.50% · 4.625%
HK$34,019
+HK$1,951/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,136/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,570
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,470
−HK$913/mo
Today · 4.125%
HK$35,383
baseline
▲ 0.50% · 4.625%
HK$37,248
+HK$1,865/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,766/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,210
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,337
−HK$1,144/mo
Today · 4.125%
HK$38,481
baseline
▲ 0.50% · 4.625%
HK$40,823
+HK$2,342/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,962/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,284
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,364
−HK$1,096/mo
Today · 4.125%
HK$42,460
baseline
▲ 0.50% · 4.625%
HK$44,698
+HK$2,238/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,920/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,245
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,559
−HK$1,336/mo
Today · 4.125%
HK$44,895
baseline
▲ 0.50% · 4.625%
HK$47,626
+HK$2,731/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,790/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,998
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,258
−HK$1,279/mo
Today · 4.125%
HK$49,537
baseline
▲ 0.50% · 4.625%
HK$52,148
+HK$2,611/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,074/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,316
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,005
−HK$1,717/mo
Today · 4.125%
HK$57,722
baseline
▲ 0.50% · 4.625%
HK$61,234
+HK$3,512/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,444/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,425
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,046
−HK$1,644/mo
Today · 4.125%
HK$63,690
baseline
▲ 0.50% · 4.625%
HK$67,047
+HK$3,357/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,380/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,249 · Scale 2, in force from 26 Feb 2026)