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$30,198
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,137
−HK$954/mo
Today · 4.125%
HK$32,091
baseline
▲ 0.50% · 4.625%
HK$34,044
+HK$1,953/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,182/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,594
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,495
−HK$914/mo
Today · 4.125%
HK$35,409
baseline
▲ 0.50% · 4.625%
HK$37,276
+HK$1,867/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,818/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,237
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,364
−HK$1,145/mo
Today · 4.125%
HK$38,509
baseline
▲ 0.50% · 4.625%
HK$40,853
+HK$2,344/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,018/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,313
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,395
−HK$1,096/mo
Today · 4.125%
HK$42,491
baseline
▲ 0.50% · 4.625%
HK$44,731
+HK$2,240/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$84,982/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,277
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,592
−HK$1,336/mo
Today · 4.125%
HK$44,928
baseline
▲ 0.50% · 4.625%
HK$47,661
+HK$2,733/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,856/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,032
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,294
−HK$1,279/mo
Today · 4.125%
HK$49,573
baseline
▲ 0.50% · 4.625%
HK$52,186
+HK$2,613/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,146/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,356
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,046
−HK$1,718/mo
Today · 4.125%
HK$57,764
baseline
▲ 0.50% · 4.625%
HK$61,279
+HK$3,515/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,528/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,470
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,092
−HK$1,645/mo
Today · 4.125%
HK$63,737
baseline
▲ 0.50% · 4.625%
HK$67,097
+HK$3,360/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,474/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,614 · Scale 2, in force from 26 Feb 2026)