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$30,197
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,136
−HK$955/mo
Today · 4.125%
HK$32,091
baseline
▲ 0.50% · 4.625%
HK$34,043
+HK$1,952/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,182/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,594
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,495
−HK$914/mo
Today · 4.125%
HK$35,409
baseline
▲ 0.50% · 4.625%
HK$37,275
+HK$1,866/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,818/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,236
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,364
−HK$1,145/mo
Today · 4.125%
HK$38,509
baseline
▲ 0.50% · 4.625%
HK$40,852
+HK$2,343/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,018/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,313
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,394
−HK$1,097/mo
Today · 4.125%
HK$42,491
baseline
▲ 0.50% · 4.625%
HK$44,730
+HK$2,239/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$84,982/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,276
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,591
−HK$1,336/mo
Today · 4.125%
HK$44,927
baseline
▲ 0.50% · 4.625%
HK$47,661
+HK$2,734/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,854/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,031
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,293
−HK$1,279/mo
Today · 4.125%
HK$49,572
baseline
▲ 0.50% · 4.625%
HK$52,185
+HK$2,613/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,144/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,355
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,045
−HK$1,718/mo
Today · 4.125%
HK$57,763
baseline
▲ 0.50% · 4.625%
HK$61,278
+HK$3,515/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,526/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,469
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,091
−HK$1,645/mo
Today · 4.125%
HK$63,736
baseline
▲ 0.50% · 4.625%
HK$67,095
+HK$3,359/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,472/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,605 · Scale 2, in force from 26 Feb 2026)