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$30,179
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,118
−HK$954/mo
Today · 4.125%
HK$32,072
baseline
▲ 0.50% · 4.625%
HK$34,023
+HK$1,951/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,144/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,574
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,474
−HK$914/mo
Today · 4.125%
HK$35,388
baseline
▲ 0.50% · 4.625%
HK$37,253
+HK$1,865/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,776/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,215
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,341
−HK$1,145/mo
Today · 4.125%
HK$38,486
baseline
▲ 0.50% · 4.625%
HK$40,828
+HK$2,342/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,972/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,289
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,369
−HK$1,096/mo
Today · 4.125%
HK$42,465
baseline
▲ 0.50% · 4.625%
HK$44,704
+HK$2,239/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,930/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,251
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,565
−HK$1,335/mo
Today · 4.125%
HK$44,900
baseline
▲ 0.50% · 4.625%
HK$47,632
+HK$2,732/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,800/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,004
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,264
−HK$1,279/mo
Today · 4.125%
HK$49,543
baseline
▲ 0.50% · 4.625%
HK$52,154
+HK$2,611/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,086/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,322
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,012
−HK$1,717/mo
Today · 4.125%
HK$57,729
baseline
▲ 0.50% · 4.625%
HK$61,242
+HK$3,513/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,458/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,433
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,054
−HK$1,644/mo
Today · 4.125%
HK$63,698
baseline
▲ 0.50% · 4.625%
HK$67,056
+HK$3,358/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,396/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,311 · Scale 2, in force from 26 Feb 2026)