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$30,167
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,105
−HK$954/mo
Today · 4.125%
HK$32,059
baseline
▲ 0.50% · 4.625%
HK$34,010
+HK$1,951/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,118/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,561
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,461
−HK$913/mo
Today · 4.125%
HK$35,374
baseline
▲ 0.50% · 4.625%
HK$37,238
+HK$1,864/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,748/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,201
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,327
−HK$1,144/mo
Today · 4.125%
HK$38,471
baseline
▲ 0.50% · 4.625%
HK$40,811
+HK$2,340/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,942/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,273
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,353
−HK$1,096/mo
Today · 4.125%
HK$42,449
baseline
▲ 0.50% · 4.625%
HK$44,686
+HK$2,237/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,898/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,234
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,548
−HK$1,334/mo
Today · 4.125%
HK$44,882
baseline
▲ 0.50% · 4.625%
HK$47,613
+HK$2,731/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,764/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,985
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,245
−HK$1,278/mo
Today · 4.125%
HK$49,523
baseline
▲ 0.50% · 4.625%
HK$52,134
+HK$2,611/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,046/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,301
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,990
−HK$1,716/mo
Today · 4.125%
HK$57,706
baseline
▲ 0.50% · 4.625%
HK$61,217
+HK$3,511/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,412/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,409
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,029
−HK$1,644/mo
Today · 4.125%
HK$63,673
baseline
▲ 0.50% · 4.625%
HK$67,029
+HK$3,356/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,346/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,114 · Scale 2, in force from 26 Feb 2026)