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$30,182
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,120
−HK$954/mo
Today · 4.125%
HK$32,074
baseline
▲ 0.50% · 4.625%
HK$34,026
+HK$1,952/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,148/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,577
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,477
−HK$914/mo
Today · 4.125%
HK$35,391
baseline
▲ 0.50% · 4.625%
HK$37,256
+HK$1,865/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,782/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,218
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,344
−HK$1,145/mo
Today · 4.125%
HK$38,489
baseline
▲ 0.50% · 4.625%
HK$40,831
+HK$2,342/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,978/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,292
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,373
−HK$1,096/mo
Today · 4.125%
HK$42,469
baseline
▲ 0.50% · 4.625%
HK$44,707
+HK$2,238/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,938/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,254
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,569
−HK$1,335/mo
Today · 4.125%
HK$44,904
baseline
▲ 0.50% · 4.625%
HK$47,636
+HK$2,732/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,808/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,007
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,268
−HK$1,279/mo
Today · 4.125%
HK$49,547
baseline
▲ 0.50% · 4.625%
HK$52,159
+HK$2,612/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,094/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,327
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,017
−HK$1,717/mo
Today · 4.125%
HK$57,734
baseline
▲ 0.50% · 4.625%
HK$61,247
+HK$3,513/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,468/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,438
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,059
−HK$1,644/mo
Today · 4.125%
HK$63,703
baseline
▲ 0.50% · 4.625%
HK$67,061
+HK$3,358/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,406/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,352 · Scale 2, in force from 26 Feb 2026)