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$30,175
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,113
−HK$954/mo
Today · 4.125%
HK$32,067
baseline
▲ 0.50% · 4.625%
HK$34,018
+HK$1,951/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,134/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,569
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,469
−HK$913/mo
Today · 4.125%
HK$35,382
baseline
▲ 0.50% · 4.625%
HK$37,248
+HK$1,866/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,764/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,209
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,336
−HK$1,144/mo
Today · 4.125%
HK$38,480
baseline
▲ 0.50% · 4.625%
HK$40,822
+HK$2,342/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,960/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,283
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,363
−HK$1,096/mo
Today · 4.125%
HK$42,459
baseline
▲ 0.50% · 4.625%
HK$44,697
+HK$2,238/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,918/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,244
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,558
−HK$1,335/mo
Today · 4.125%
HK$44,893
baseline
▲ 0.50% · 4.625%
HK$47,625
+HK$2,732/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,786/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,996
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,257
−HK$1,278/mo
Today · 4.125%
HK$49,535
baseline
▲ 0.50% · 4.625%
HK$52,147
+HK$2,612/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,070/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,314
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,004
−HK$1,716/mo
Today · 4.125%
HK$57,720
baseline
▲ 0.50% · 4.625%
HK$61,232
+HK$3,512/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,440/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,424
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,044
−HK$1,644/mo
Today · 4.125%
HK$63,688
baseline
▲ 0.50% · 4.625%
HK$67,046
+HK$3,358/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,376/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,236 · Scale 2, in force from 26 Feb 2026)