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$30,199
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,138
−HK$955/mo
Today · 4.125%
HK$32,093
baseline
▲ 0.50% · 4.625%
HK$34,045
+HK$1,952/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,186/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,596
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,497
−HK$914/mo
Today · 4.125%
HK$35,411
baseline
▲ 0.50% · 4.625%
HK$37,278
+HK$1,867/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,822/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,239
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,366
−HK$1,145/mo
Today · 4.125%
HK$38,511
baseline
▲ 0.50% · 4.625%
HK$40,854
+HK$2,343/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,022/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,315
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,396
−HK$1,097/mo
Today · 4.125%
HK$42,493
baseline
▲ 0.50% · 4.625%
HK$44,733
+HK$2,240/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$84,986/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,278
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,593
−HK$1,337/mo
Today · 4.125%
HK$44,930
baseline
▲ 0.50% · 4.625%
HK$47,663
+HK$2,733/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,860/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,034
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,296
−HK$1,279/mo
Today · 4.125%
HK$49,575
baseline
▲ 0.50% · 4.625%
HK$52,189
+HK$2,614/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,150/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,358
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,049
−HK$1,718/mo
Today · 4.125%
HK$57,767
baseline
▲ 0.50% · 4.625%
HK$61,282
+HK$3,515/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,534/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,473
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,094
−HK$1,646/mo
Today · 4.125%
HK$63,740
baseline
▲ 0.50% · 4.625%
HK$67,100
+HK$3,360/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,480/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,636 · Scale 2, in force from 26 Feb 2026)