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$30,177
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,116
−HK$954/mo
Today · 4.125%
HK$32,070
baseline
▲ 0.50% · 4.625%
HK$34,021
+HK$1,951/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,140/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,572
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,472
−HK$914/mo
Today · 4.125%
HK$35,386
baseline
▲ 0.50% · 4.625%
HK$37,251
+HK$1,865/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,772/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,213
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,339
−HK$1,145/mo
Today · 4.125%
HK$38,484
baseline
▲ 0.50% · 4.625%
HK$40,825
+HK$2,341/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,968/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,286
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,367
−HK$1,096/mo
Today · 4.125%
HK$42,463
baseline
▲ 0.50% · 4.625%
HK$44,701
+HK$2,238/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,926/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,248
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,563
−HK$1,335/mo
Today · 4.125%
HK$44,898
baseline
▲ 0.50% · 4.625%
HK$47,630
+HK$2,732/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,796/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,001
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,261
−HK$1,279/mo
Today · 4.125%
HK$49,540
baseline
▲ 0.50% · 4.625%
HK$52,152
+HK$2,612/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,080/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,319
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,009
−HK$1,717/mo
Today · 4.125%
HK$57,726
baseline
▲ 0.50% · 4.625%
HK$61,238
+HK$3,512/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,452/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,430
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,050
−HK$1,645/mo
Today · 4.125%
HK$63,695
baseline
▲ 0.50% · 4.625%
HK$67,052
+HK$3,357/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,390/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,284 · Scale 2, in force from 26 Feb 2026)