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$30,191
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,131
−HK$954/mo
Today · 4.125%
HK$32,085
baseline
▲ 0.50% · 4.625%
HK$34,037
+HK$1,952/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,170/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,588
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,488
−HK$914/mo
Today · 4.125%
HK$35,402
baseline
▲ 0.50% · 4.625%
HK$37,268
+HK$1,866/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,804/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,230
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,357
−HK$1,145/mo
Today · 4.125%
HK$38,502
baseline
▲ 0.50% · 4.625%
HK$40,844
+HK$2,342/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$77,004/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,305
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,386
−HK$1,097/mo
Today · 4.125%
HK$42,483
baseline
▲ 0.50% · 4.625%
HK$44,722
+HK$2,239/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$84,966/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,268
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,583
−HK$1,336/mo
Today · 4.125%
HK$44,919
baseline
▲ 0.50% · 4.625%
HK$47,652
+HK$2,733/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,838/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,023
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,284
−HK$1,279/mo
Today · 4.125%
HK$49,563
baseline
▲ 0.50% · 4.625%
HK$52,176
+HK$2,613/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,126/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,345
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,035
−HK$1,717/mo
Today · 4.125%
HK$57,752
baseline
▲ 0.50% · 4.625%
HK$61,267
+HK$3,515/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,504/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,458
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,079
−HK$1,645/mo
Today · 4.125%
HK$63,724
baseline
▲ 0.50% · 4.625%
HK$67,083
+HK$3,359/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,448/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,514 · Scale 2, in force from 26 Feb 2026)