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$30,206
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,145
−HK$955/mo
Today · 4.125%
HK$32,100
baseline
▲ 0.50% · 4.625%
HK$34,053
+HK$1,953/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,200/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,604
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,505
−HK$914/mo
Today · 4.125%
HK$35,419
baseline
▲ 0.50% · 4.625%
HK$37,286
+HK$1,867/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,838/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,247
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,375
−HK$1,145/mo
Today · 4.125%
HK$38,520
baseline
▲ 0.50% · 4.625%
HK$40,864
+HK$2,344/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,040/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,325
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,406
−HK$1,097/mo
Today · 4.125%
HK$42,503
baseline
▲ 0.50% · 4.625%
HK$44,744
+HK$2,241/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,006/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,288
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$43,604
−HK$1,336/mo
Today · 4.125%
HK$44,940
baseline
▲ 0.50% · 4.625%
HK$47,675
+HK$2,735/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,880/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,045
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,307
−HK$1,280/mo
Today · 4.125%
HK$49,587
baseline
▲ 0.50% · 4.625%
HK$52,201
+HK$2,614/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,174/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,371
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,062
−HK$1,718/mo
Today · 4.125%
HK$57,780
baseline
▲ 0.50% · 4.625%
HK$61,296
+HK$3,516/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,560/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,487
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,109
−HK$1,646/mo
Today · 4.125%
HK$63,755
baseline
▲ 0.50% · 4.625%
HK$67,115
+HK$3,360/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,510/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,752 · Scale 2, in force from 26 Feb 2026)