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$30,200
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,139
−HK$955/mo
Today · 4.125%
HK$32,094
baseline
▲ 0.50% · 4.625%
HK$34,046
+HK$1,952/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,188/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,597
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,498
−HK$914/mo
Today · 4.125%
HK$35,412
baseline
▲ 0.50% · 4.625%
HK$37,279
+HK$1,867/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,824/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,240
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,367
−HK$1,145/mo
Today · 4.125%
HK$38,512
baseline
▲ 0.50% · 4.625%
HK$40,856
+HK$2,344/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,024/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,316
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,398
−HK$1,096/mo
Today · 4.125%
HK$42,494
baseline
▲ 0.50% · 4.625%
HK$44,734
+HK$2,240/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$84,988/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,280
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,595
−HK$1,336/mo
Today · 4.125%
HK$44,931
baseline
▲ 0.50% · 4.625%
HK$47,665
+HK$2,734/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,862/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,036
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,297
−HK$1,280/mo
Today · 4.125%
HK$49,577
baseline
▲ 0.50% · 4.625%
HK$52,190
+HK$2,613/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,154/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,360
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,050
−HK$1,718/mo
Today · 4.125%
HK$57,768
baseline
▲ 0.50% · 4.625%
HK$61,283
+HK$3,515/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,536/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,474
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,096
−HK$1,646/mo
Today · 4.125%
HK$63,742
baseline
▲ 0.50% · 4.625%
HK$67,102
+HK$3,360/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,484/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,651 · Scale 2, in force from 26 Feb 2026)