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$30,170
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,108
−HK$954/mo
Today · 4.125%
HK$32,062
baseline
▲ 0.50% · 4.625%
HK$34,013
+HK$1,951/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,124/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,564
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,464
−HK$913/mo
Today · 4.125%
HK$35,377
baseline
▲ 0.50% · 4.625%
HK$37,242
+HK$1,865/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,754/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,204
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,330
−HK$1,144/mo
Today · 4.125%
HK$38,474
baseline
▲ 0.50% · 4.625%
HK$40,815
+HK$2,341/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,948/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,276
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,357
−HK$1,095/mo
Today · 4.125%
HK$42,452
baseline
▲ 0.50% · 4.625%
HK$44,690
+HK$2,238/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,904/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,238
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,552
−HK$1,335/mo
Today · 4.125%
HK$44,887
baseline
▲ 0.50% · 4.625%
HK$47,618
+HK$2,731/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,774/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,989
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,249
−HK$1,279/mo
Today · 4.125%
HK$49,528
baseline
▲ 0.50% · 4.625%
HK$52,139
+HK$2,611/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,056/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,306
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,995
−HK$1,716/mo
Today · 4.125%
HK$57,711
baseline
▲ 0.50% · 4.625%
HK$61,223
+HK$3,512/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,422/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,415
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,035
−HK$1,644/mo
Today · 4.125%
HK$63,679
baseline
▲ 0.50% · 4.625%
HK$67,035
+HK$3,356/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,358/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,160 · Scale 2, in force from 26 Feb 2026)