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$30,163
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,101
−HK$954/mo
Today · 4.125%
HK$32,055
baseline
▲ 0.50% · 4.625%
HK$34,005
+HK$1,950/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,110/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,556
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,456
−HK$913/mo
Today · 4.125%
HK$35,369
baseline
▲ 0.50% · 4.625%
HK$37,234
+HK$1,865/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,738/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,196
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,322
−HK$1,144/mo
Today · 4.125%
HK$38,466
baseline
▲ 0.50% · 4.625%
HK$40,806
+HK$2,340/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,932/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,268
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,348
−HK$1,095/mo
Today · 4.125%
HK$42,443
baseline
▲ 0.50% · 4.625%
HK$44,680
+HK$2,237/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,886/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,229
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,542
−HK$1,335/mo
Today · 4.125%
HK$44,877
baseline
▲ 0.50% · 4.625%
HK$47,607
+HK$2,730/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,754/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$496,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,979
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,239
−HK$1,278/mo
Today · 4.125%
HK$49,517
baseline
▲ 0.50% · 4.625%
HK$52,127
+HK$2,610/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,034/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$496,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,294
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,983
−HK$1,716/mo
Today · 4.125%
HK$57,699
baseline
▲ 0.50% · 4.625%
HK$61,209
+HK$3,510/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,398/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,401
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,021
−HK$1,644/mo
Today · 4.125%
HK$63,665
baseline
▲ 0.50% · 4.625%
HK$67,020
+HK$3,355/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,330/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,051 · Scale 2, in force from 26 Feb 2026)