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$1,893/mo
▼ 0.25% · 3.875%
HK$31,136
−HK$954/mo
Today · 4.125%
HK$32,090
baseline
▲ 0.50% · 4.625%
HK$34,043
+HK$1,953/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,180/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,593
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,494
−HK$914/mo
Today · 4.125%
HK$35,408
baseline
▲ 0.50% · 4.625%
HK$37,275
+HK$1,867/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,816/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,236
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,363
−HK$1,145/mo
Today · 4.125%
HK$38,508
baseline
▲ 0.50% · 4.625%
HK$40,851
+HK$2,343/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,016/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,312
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,393
−HK$1,097/mo
Today · 4.125%
HK$42,490
baseline
▲ 0.50% · 4.625%
HK$44,730
+HK$2,240/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$84,980/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,275
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$43,590
−HK$1,336/mo
Today · 4.125%
HK$44,926
baseline
▲ 0.50% · 4.625%
HK$47,660
+HK$2,734/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,852/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,031
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,292
−HK$1,280/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$496,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,354
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,045
−HK$1,717/mo
Today · 4.125%
HK$57,762
baseline
▲ 0.50% · 4.625%
HK$61,277
+HK$3,515/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,524/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,468
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,090
−HK$1,645/mo
Today · 4.125%
HK$63,735
baseline
▲ 0.50% · 4.625%
HK$67,095
+HK$3,360/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,470/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,599 · Scale 2, in force from 26 Feb 2026)