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$30,187
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,126
−HK$954/mo
Today · 4.125%
HK$32,080
baseline
▲ 0.50% · 4.625%
HK$34,032
+HK$1,952/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,160/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,583
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,484
−HK$914/mo
Today · 4.125%
HK$35,398
baseline
▲ 0.50% · 4.625%
HK$37,263
+HK$1,865/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,796/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,225
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,352
−HK$1,145/mo
Today · 4.125%
HK$38,497
baseline
▲ 0.50% · 4.625%
HK$40,839
+HK$2,342/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$76,994/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,300
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,381
−HK$1,096/mo
Today · 4.125%
HK$42,477
baseline
▲ 0.50% · 4.625%
HK$44,716
+HK$2,239/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$84,954/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,262
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,577
−HK$1,336/mo
Today · 4.125%
HK$44,913
baseline
▲ 0.50% · 4.625%
HK$47,645
+HK$2,732/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,826/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,016
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,277
−HK$1,280/mo
Today · 4.125%
HK$49,557
baseline
▲ 0.50% · 4.625%
HK$52,169
+HK$2,612/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,114/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,337
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,028
−HK$1,717/mo
Today · 4.125%
HK$57,745
baseline
▲ 0.50% · 4.625%
HK$61,258
+HK$3,513/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,490/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,450
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,071
−HK$1,645/mo
Today · 4.125%
HK$63,716
baseline
▲ 0.50% · 4.625%
HK$67,074
+HK$3,358/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,432/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,448 · Scale 2, in force from 26 Feb 2026)