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$30,173
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,112
−HK$953/mo
Today · 4.125%
HK$32,065
baseline
▲ 0.50% · 4.625%
HK$34,016
+HK$1,951/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,130/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,567
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,467
−HK$914/mo
Today · 4.125%
HK$35,381
baseline
▲ 0.50% · 4.625%
HK$37,246
+HK$1,865/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,762/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,208
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,334
−HK$1,144/mo
Today · 4.125%
HK$38,478
baseline
▲ 0.50% · 4.625%
HK$40,819
+HK$2,341/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,956/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,281
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,361
−HK$1,096/mo
Today · 4.125%
HK$42,457
baseline
▲ 0.50% · 4.625%
HK$44,695
+HK$2,238/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,914/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,242
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,556
−HK$1,335/mo
Today · 4.125%
HK$44,891
baseline
▲ 0.50% · 4.625%
HK$47,623
+HK$2,732/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,782/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,994
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,254
−HK$1,279/mo
Today · 4.125%
HK$49,533
baseline
▲ 0.50% · 4.625%
HK$52,144
+HK$2,611/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,066/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,311
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,001
−HK$1,716/mo
Today · 4.125%
HK$57,717
baseline
▲ 0.50% · 4.625%
HK$61,229
+HK$3,512/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,434/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,421
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,041
−HK$1,644/mo
Today · 4.125%
HK$63,685
baseline
▲ 0.50% · 4.625%
HK$67,042
+HK$3,357/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,370/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,211 · Scale 2, in force from 26 Feb 2026)