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$30,193
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,132
−HK$954/mo
Today · 4.125%
HK$32,086
baseline
▲ 0.50% · 4.625%
HK$34,039
+HK$1,953/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,172/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,589
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,490
−HK$914/mo
Today · 4.125%
HK$35,404
baseline
▲ 0.50% · 4.625%
HK$37,270
+HK$1,866/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,808/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,232
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,359
−HK$1,145/mo
Today · 4.125%
HK$38,504
baseline
▲ 0.50% · 4.625%
HK$40,846
+HK$2,342/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$77,008/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,307
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,388
−HK$1,097/mo
Today · 4.125%
HK$42,485
baseline
▲ 0.50% · 4.625%
HK$44,724
+HK$2,239/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$84,970/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,270
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,585
−HK$1,336/mo
Today · 4.125%
HK$44,921
baseline
▲ 0.50% · 4.625%
HK$47,654
+HK$2,733/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,842/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,025
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,286
−HK$1,280/mo
Today · 4.125%
HK$49,566
baseline
▲ 0.50% · 4.625%
HK$52,178
+HK$2,612/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,132/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,347
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,038
−HK$1,717/mo
Today · 4.125%
HK$57,755
baseline
▲ 0.50% · 4.625%
HK$61,270
+HK$3,515/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,510/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,461
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,082
−HK$1,645/mo
Today · 4.125%
HK$63,727
baseline
▲ 0.50% · 4.625%
HK$67,087
+HK$3,360/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,454/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,539 · Scale 2, in force from 26 Feb 2026)