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$30,172
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,110
−HK$954/mo
Today · 4.125%
HK$32,064
baseline
▲ 0.50% · 4.625%
HK$34,015
+HK$1,951/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,128/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,566
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,466
−HK$913/mo
Today · 4.125%
HK$35,379
baseline
▲ 0.50% · 4.625%
HK$37,244
+HK$1,865/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,758/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,206
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,333
−HK$1,144/mo
Today · 4.125%
HK$38,477
baseline
▲ 0.50% · 4.625%
HK$40,818
+HK$2,341/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,954/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,279
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,359
−HK$1,096/mo
Today · 4.125%
HK$42,455
baseline
▲ 0.50% · 4.625%
HK$44,693
+HK$2,238/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,910/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,241
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,555
−HK$1,335/mo
Today · 4.125%
HK$44,890
baseline
▲ 0.50% · 4.625%
HK$47,621
+HK$2,731/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,780/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,992
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,253
−HK$1,278/mo
Today · 4.125%
HK$49,531
baseline
▲ 0.50% · 4.625%
HK$52,142
+HK$2,611/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,062/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,310
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,999
−HK$1,716/mo
Today · 4.125%
HK$57,715
baseline
▲ 0.50% · 4.625%
HK$61,227
+HK$3,512/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,430/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,419
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,039
−HK$1,644/mo
Today · 4.125%
HK$63,683
baseline
▲ 0.50% · 4.625%
HK$67,040
+HK$3,357/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,366/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,194 · Scale 2, in force from 26 Feb 2026)