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$30,174
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,113
−HK$953/mo
Today · 4.125%
HK$32,066
baseline
▲ 0.50% · 4.625%
HK$34,017
+HK$1,951/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,132/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,568
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,468
−HK$914/mo
Today · 4.125%
HK$35,382
baseline
▲ 0.50% · 4.625%
HK$37,247
+HK$1,865/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,764/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,209
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,335
−HK$1,144/mo
Today · 4.125%
HK$38,479
baseline
▲ 0.50% · 4.625%
HK$40,821
+HK$2,342/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,958/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,282
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,362
−HK$1,096/mo
Today · 4.125%
HK$42,458
baseline
▲ 0.50% · 4.625%
HK$44,696
+HK$2,238/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,916/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,244
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,558
−HK$1,335/mo
Today · 4.125%
HK$44,893
baseline
▲ 0.50% · 4.625%
HK$47,624
+HK$2,731/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,786/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,995
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,256
−HK$1,279/mo
Today · 4.125%
HK$49,535
baseline
▲ 0.50% · 4.625%
HK$52,146
+HK$2,611/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,070/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,313
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,003
−HK$1,716/mo
Today · 4.125%
HK$57,719
baseline
▲ 0.50% · 4.625%
HK$61,231
+HK$3,512/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,438/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,423
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,043
−HK$1,644/mo
Today · 4.125%
HK$63,687
baseline
▲ 0.50% · 4.625%
HK$67,044
+HK$3,357/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,374/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,227 · Scale 2, in force from 26 Feb 2026)