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$30,183
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,122
−HK$954/mo
Today · 4.125%
HK$32,076
baseline
▲ 0.50% · 4.625%
HK$34,028
+HK$1,952/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,152/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,579
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,479
−HK$914/mo
Today · 4.125%
HK$35,393
baseline
▲ 0.50% · 4.625%
HK$37,258
+HK$1,865/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,786/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,220
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,347
−HK$1,144/mo
Today · 4.125%
HK$38,491
baseline
▲ 0.50% · 4.625%
HK$40,833
+HK$2,342/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,982/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,294
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,375
−HK$1,096/mo
Today · 4.125%
HK$42,471
baseline
▲ 0.50% · 4.625%
HK$44,710
+HK$2,239/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,942/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,257
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,571
−HK$1,336/mo
Today · 4.125%
HK$44,907
baseline
▲ 0.50% · 4.625%
HK$47,639
+HK$2,732/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,814/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,010
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,271
−HK$1,279/mo
Today · 4.125%
HK$49,550
baseline
▲ 0.50% · 4.625%
HK$52,162
+HK$2,612/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,100/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,330
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,020
−HK$1,717/mo
Today · 4.125%
HK$57,737
baseline
▲ 0.50% · 4.625%
HK$61,250
+HK$3,513/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,474/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,442
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,063
−HK$1,644/mo
Today · 4.125%
HK$63,707
baseline
▲ 0.50% · 4.625%
HK$67,065
+HK$3,358/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,414/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,381 · Scale 2, in force from 26 Feb 2026)