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$30,168
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,106
−HK$954/mo
Today · 4.125%
HK$32,060
baseline
▲ 0.50% · 4.625%
HK$34,010
+HK$1,950/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,120/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,561
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,462
−HK$913/mo
Today · 4.125%
HK$35,375
baseline
▲ 0.50% · 4.625%
HK$37,239
+HK$1,864/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,750/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$496,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,201
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,328
−HK$1,144/mo
Today · 4.125%
HK$38,472
baseline
▲ 0.50% · 4.625%
HK$40,813
+HK$2,341/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,944/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,274
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,354
−HK$1,096/mo
Today · 4.125%
HK$42,450
baseline
▲ 0.50% · 4.625%
HK$44,687
+HK$2,237/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,900/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,235
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$43,549
−HK$1,335/mo
Today · 4.125%
HK$44,884
baseline
▲ 0.50% · 4.625%
HK$47,615
+HK$2,731/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,768/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,986
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$48,246
−HK$1,279/mo
Today · 4.125%
HK$49,525
baseline
▲ 0.50% · 4.625%
HK$52,135
+HK$2,610/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,050/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,302
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,991
−HK$1,716/mo
Today · 4.125%
HK$57,707
baseline
▲ 0.50% · 4.625%
HK$61,219
+HK$3,512/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$115,414/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,411
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,031
−HK$1,643/mo
Today · 4.125%
HK$63,674
baseline
▲ 0.50% · 4.625%
HK$67,031
+HK$3,357/mo
Deposit HK$1.32M · loan HK$11.91M · min. income ≈ HK$127,348/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,127 · Scale 2, in force from 26 Feb 2026)