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$30,193
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,132
−HK$955/mo
Today · 4.125%
HK$32,087
baseline
▲ 0.50% · 4.625%
HK$34,039
+HK$1,952/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,174/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,590
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,490
−HK$914/mo
Today · 4.125%
HK$35,404
baseline
▲ 0.50% · 4.625%
HK$37,271
+HK$1,867/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,808/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,232
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,359
−HK$1,145/mo
Today · 4.125%
HK$38,504
baseline
▲ 0.50% · 4.625%
HK$40,847
+HK$2,343/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$77,008/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,308
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,389
−HK$1,096/mo
Today · 4.125%
HK$42,485
baseline
▲ 0.50% · 4.625%
HK$44,725
+HK$2,240/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$84,970/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,270
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,585
−HK$1,336/mo
Today · 4.125%
HK$44,921
baseline
▲ 0.50% · 4.625%
HK$47,655
+HK$2,734/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,842/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,025
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,287
−HK$1,279/mo
Today · 4.125%
HK$49,566
baseline
▲ 0.50% · 4.625%
HK$52,179
+HK$2,613/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,132/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,348
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,038
−HK$1,718/mo
Today · 4.125%
HK$57,756
baseline
▲ 0.50% · 4.625%
HK$61,270
+HK$3,514/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,512/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,461
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,083
−HK$1,645/mo
Today · 4.125%
HK$63,728
baseline
▲ 0.50% · 4.625%
HK$67,087
+HK$3,359/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,456/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,543 · Scale 2, in force from 26 Feb 2026)