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$30,169
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,107
−HK$954/mo
Today · 4.125%
HK$32,061
baseline
▲ 0.50% · 4.625%
HK$34,012
+HK$1,951/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,122/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,563
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,463
−HK$913/mo
Today · 4.125%
HK$35,376
baseline
▲ 0.50% · 4.625%
HK$37,241
+HK$1,865/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,752/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,203
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,329
−HK$1,144/mo
Today · 4.125%
HK$38,473
baseline
▲ 0.50% · 4.625%
HK$40,814
+HK$2,341/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,946/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,275
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,355
−HK$1,096/mo
Today · 4.125%
HK$42,451
baseline
▲ 0.50% · 4.625%
HK$44,689
+HK$2,238/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,902/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,237
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,550
−HK$1,335/mo
Today · 4.125%
HK$44,885
baseline
▲ 0.50% · 4.625%
HK$47,616
+HK$2,731/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,770/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,988
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,248
−HK$1,278/mo
Today · 4.125%
HK$49,526
baseline
▲ 0.50% · 4.625%
HK$52,137
+HK$2,611/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,052/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,304
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,993
−HK$1,716/mo
Today · 4.125%
HK$57,709
baseline
▲ 0.50% · 4.625%
HK$61,221
+HK$3,512/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,418/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,413
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,033
−HK$1,644/mo
Today · 4.125%
HK$63,677
baseline
▲ 0.50% · 4.625%
HK$67,033
+HK$3,356/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,354/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,144 · Scale 2, in force from 26 Feb 2026)