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$30,183
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,122
−HK$953/mo
Today · 4.125%
HK$32,075
baseline
▲ 0.50% · 4.625%
HK$34,027
+HK$1,952/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,150/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,578
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,479
−HK$913/mo
Today · 4.125%
HK$35,392
baseline
▲ 0.50% · 4.625%
HK$37,258
+HK$1,866/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,784/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,219
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,346
−HK$1,145/mo
Today · 4.125%
HK$38,491
baseline
▲ 0.50% · 4.625%
HK$40,833
+HK$2,342/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,982/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,294
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,374
−HK$1,097/mo
Today · 4.125%
HK$42,471
baseline
▲ 0.50% · 4.625%
HK$44,709
+HK$2,238/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,942/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,256
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,570
−HK$1,336/mo
Today · 4.125%
HK$44,906
baseline
▲ 0.50% · 4.625%
HK$47,638
+HK$2,732/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,812/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,009
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,270
−HK$1,279/mo
Today · 4.125%
HK$49,549
baseline
▲ 0.50% · 4.625%
HK$52,161
+HK$2,612/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,098/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,329
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,019
−HK$1,717/mo
Today · 4.125%
HK$57,736
baseline
▲ 0.50% · 4.625%
HK$61,249
+HK$3,513/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,472/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,440
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,061
−HK$1,645/mo
Today · 4.125%
HK$63,706
baseline
▲ 0.50% · 4.625%
HK$67,064
+HK$3,358/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,412/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,371 · Scale 2, in force from 26 Feb 2026)