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$30,189
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,128
−HK$954/mo
Today · 4.125%
HK$32,082
baseline
▲ 0.50% · 4.625%
HK$34,035
+HK$1,953/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,164/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,585
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,486
−HK$914/mo
Today · 4.125%
HK$35,400
baseline
▲ 0.50% · 4.625%
HK$37,266
+HK$1,866/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,800/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,227
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,354
−HK$1,145/mo
Today · 4.125%
HK$38,499
baseline
▲ 0.50% · 4.625%
HK$40,841
+HK$2,342/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$76,998/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,302
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,383
−HK$1,097/mo
Today · 4.125%
HK$42,480
baseline
▲ 0.50% · 4.625%
HK$44,719
+HK$2,239/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$84,960/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,265
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,580
−HK$1,335/mo
Today · 4.125%
HK$44,915
baseline
▲ 0.50% · 4.625%
HK$47,648
+HK$2,733/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,830/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,019
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,280
−HK$1,280/mo
Today · 4.125%
HK$49,560
baseline
▲ 0.50% · 4.625%
HK$52,172
+HK$2,612/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,120/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,341
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,031
−HK$1,717/mo
Today · 4.125%
HK$57,748
baseline
▲ 0.50% · 4.625%
HK$61,262
+HK$3,514/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,496/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,454
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,075
−HK$1,645/mo
Today · 4.125%
HK$63,720
baseline
▲ 0.50% · 4.625%
HK$67,078
+HK$3,358/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,440/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,479 · Scale 2, in force from 26 Feb 2026)