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$30,181
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,119
−HK$954/mo
Today · 4.125%
HK$32,073
baseline
▲ 0.50% · 4.625%
HK$34,025
+HK$1,952/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,146/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,576
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,476
−HK$914/mo
Today · 4.125%
HK$35,390
baseline
▲ 0.50% · 4.625%
HK$37,255
+HK$1,865/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,780/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,217
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,343
−HK$1,145/mo
Today · 4.125%
HK$38,488
baseline
▲ 0.50% · 4.625%
HK$40,830
+HK$2,342/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,976/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,291
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,371
−HK$1,097/mo
Today · 4.125%
HK$42,468
baseline
▲ 0.50% · 4.625%
HK$44,706
+HK$2,238/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,936/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,253
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,567
−HK$1,335/mo
Today · 4.125%
HK$44,902
baseline
▲ 0.50% · 4.625%
HK$47,635
+HK$2,733/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,804/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,006
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,267
−HK$1,278/mo
Today · 4.125%
HK$49,545
baseline
▲ 0.50% · 4.625%
HK$52,157
+HK$2,612/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,090/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,325
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,015
−HK$1,717/mo
Today · 4.125%
HK$57,732
baseline
▲ 0.50% · 4.625%
HK$61,245
+HK$3,513/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,464/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,436
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,057
−HK$1,644/mo
Today · 4.125%
HK$63,701
baseline
▲ 0.50% · 4.625%
HK$67,059
+HK$3,358/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,402/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,336 · Scale 2, in force from 26 Feb 2026)