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$30,195
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,135
−HK$954/mo
Today · 4.125%
HK$32,089
baseline
▲ 0.50% · 4.625%
HK$34,042
+HK$1,953/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,178/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,592
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,493
−HK$914/mo
Today · 4.125%
HK$35,407
baseline
▲ 0.50% · 4.625%
HK$37,273
+HK$1,866/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,814/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,235
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,362
−HK$1,145/mo
Today · 4.125%
HK$38,507
baseline
▲ 0.50% · 4.625%
HK$40,850
+HK$2,343/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,014/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,311
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,392
−HK$1,096/mo
Today · 4.125%
HK$42,488
baseline
▲ 0.50% · 4.625%
HK$44,728
+HK$2,240/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$84,976/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,274
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,589
−HK$1,336/mo
Today · 4.125%
HK$44,925
baseline
▲ 0.50% · 4.625%
HK$47,658
+HK$2,733/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,850/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,029
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,290
−HK$1,280/mo
Today · 4.125%
HK$49,570
baseline
▲ 0.50% · 4.625%
HK$52,183
+HK$2,613/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,140/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,352
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,042
−HK$1,718/mo
Today · 4.125%
HK$57,760
baseline
▲ 0.50% · 4.625%
HK$61,275
+HK$3,515/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,520/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,466
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,088
−HK$1,645/mo
Today · 4.125%
HK$63,733
baseline
▲ 0.50% · 4.625%
HK$67,092
+HK$3,359/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,466/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,581 · Scale 2, in force from 26 Feb 2026)