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$30,212
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,151
−HK$955/mo
Today · 4.125%
HK$32,106
baseline
▲ 0.50% · 4.625%
HK$34,060
+HK$1,954/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,212/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,610
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,512
−HK$914/mo
Today · 4.125%
HK$35,426
baseline
▲ 0.50% · 4.625%
HK$37,293
+HK$1,867/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,852/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,254
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,382
−HK$1,145/mo
Today · 4.125%
HK$38,527
baseline
▲ 0.50% · 4.625%
HK$40,872
+HK$2,345/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,054/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,332
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,414
−HK$1,097/mo
Today · 4.125%
HK$42,511
baseline
▲ 0.50% · 4.625%
HK$44,752
+HK$2,241/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$85,022/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$496,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,296
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$43,612
−HK$1,337/mo
Today · 4.125%
HK$44,949
baseline
▲ 0.50% · 4.625%
HK$47,684
+HK$2,735/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,898/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,054
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$48,316
−HK$1,280/mo
Today · 4.125%
HK$49,596
baseline
▲ 0.50% · 4.625%
HK$52,211
+HK$2,615/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,192/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,381
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,073
−HK$1,718/mo
Today · 4.125%
HK$57,791
baseline
▲ 0.50% · 4.625%
HK$61,308
+HK$3,517/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,582/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,498
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,121
−HK$1,646/mo
Today · 4.125%
HK$63,767
baseline
▲ 0.50% · 4.625%
HK$67,128
+HK$3,361/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,534/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,848 · Scale 2, in force from 26 Feb 2026)