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$30,209
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,149
−HK$955/mo
Today · 4.125%
HK$32,104
baseline
▲ 0.50% · 4.625%
HK$34,057
+HK$1,953/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,208/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,607
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,509
−HK$914/mo
Today · 4.125%
HK$35,423
baseline
▲ 0.50% · 4.625%
HK$37,290
+HK$1,867/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,846/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,251
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,379
−HK$1,145/mo
Today · 4.125%
HK$38,524
baseline
▲ 0.50% · 4.625%
HK$40,868
+HK$2,344/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,048/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,329
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,410
−HK$1,098/mo
Today · 4.125%
HK$42,508
baseline
▲ 0.50% · 4.625%
HK$44,748
+HK$2,240/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,016/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,293
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,608
−HK$1,337/mo
Today · 4.125%
HK$44,945
baseline
▲ 0.50% · 4.625%
HK$47,680
+HK$2,735/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,890/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,050
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,312
−HK$1,280/mo
Today · 4.125%
HK$49,592
baseline
▲ 0.50% · 4.625%
HK$52,206
+HK$2,614/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,184/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,376
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,068
−HK$1,718/mo
Today · 4.125%
HK$57,786
baseline
▲ 0.50% · 4.625%
HK$61,303
+HK$3,517/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,572/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,493
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,116
−HK$1,646/mo
Today · 4.125%
HK$63,762
baseline
▲ 0.50% · 4.625%
HK$67,122
+HK$3,360/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,524/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,806 · Scale 2, in force from 26 Feb 2026)