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$30,185
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,123
−HK$954/mo
Today · 4.125%
HK$32,077
baseline
▲ 0.50% · 4.625%
HK$34,029
+HK$1,952/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,154/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,580
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,481
−HK$913/mo
Today · 4.125%
HK$35,394
baseline
▲ 0.50% · 4.625%
HK$37,260
+HK$1,866/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,788/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,221
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,348
−HK$1,145/mo
Today · 4.125%
HK$38,493
baseline
▲ 0.50% · 4.625%
HK$40,835
+HK$2,342/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,986/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,296
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,377
−HK$1,096/mo
Today · 4.125%
HK$42,473
baseline
▲ 0.50% · 4.625%
HK$44,712
+HK$2,239/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,946/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,258
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,573
−HK$1,335/mo
Today · 4.125%
HK$44,908
baseline
▲ 0.50% · 4.625%
HK$47,641
+HK$2,733/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,816/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,012
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,273
−HK$1,279/mo
Today · 4.125%
HK$49,552
baseline
▲ 0.50% · 4.625%
HK$52,164
+HK$2,612/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,104/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,332
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,022
−HK$1,717/mo
Today · 4.125%
HK$57,739
baseline
▲ 0.50% · 4.625%
HK$61,253
+HK$3,514/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,478/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,444
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,065
−HK$1,645/mo
Today · 4.125%
HK$63,710
baseline
▲ 0.50% · 4.625%
HK$67,068
+HK$3,358/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,420/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,401 · Scale 2, in force from 26 Feb 2026)