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$30,164
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,103
−HK$953/mo
Today · 4.125%
HK$32,056
baseline
▲ 0.50% · 4.625%
HK$34,007
+HK$1,951/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,112/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,558
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,458
−HK$913/mo
Today · 4.125%
HK$35,371
baseline
▲ 0.50% · 4.625%
HK$37,235
+HK$1,864/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,742/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,197
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,323
−HK$1,144/mo
Today · 4.125%
HK$38,467
baseline
▲ 0.50% · 4.625%
HK$40,808
+HK$2,341/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,934/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,269
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,349
−HK$1,096/mo
Today · 4.125%
HK$42,445
baseline
▲ 0.50% · 4.625%
HK$44,682
+HK$2,237/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,890/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,230
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,544
−HK$1,334/mo
Today · 4.125%
HK$44,878
baseline
▲ 0.50% · 4.625%
HK$47,609
+HK$2,731/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,756/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$496,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,981
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,241
−HK$1,278/mo
Today · 4.125%
HK$49,519
baseline
▲ 0.50% · 4.625%
HK$52,129
+HK$2,610/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,038/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$496,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,296
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,985
−HK$1,716/mo
Today · 4.125%
HK$57,701
baseline
▲ 0.50% · 4.625%
HK$61,212
+HK$3,511/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,402/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,404
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,024
−HK$1,643/mo
Today · 4.125%
HK$63,667
baseline
▲ 0.50% · 4.625%
HK$67,023
+HK$3,356/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,334/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,070 · Scale 2, in force from 26 Feb 2026)