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$30,189
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,128
−HK$954/mo
Today · 4.125%
HK$32,082
baseline
▲ 0.50% · 4.625%
HK$34,034
+HK$1,952/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,164/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,585
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,486
−HK$914/mo
Today · 4.125%
HK$35,400
baseline
▲ 0.50% · 4.625%
HK$37,265
+HK$1,865/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,800/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,227
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,354
−HK$1,145/mo
Today · 4.125%
HK$38,499
baseline
▲ 0.50% · 4.625%
HK$40,841
+HK$2,342/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$76,998/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,302
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,383
−HK$1,096/mo
Today · 4.125%
HK$42,479
baseline
▲ 0.50% · 4.625%
HK$44,719
+HK$2,240/mo
Deposit HK$5.30M · loan HK$7.94M · min. income ≈ HK$84,958/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,265
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,579
−HK$1,336/mo
Today · 4.125%
HK$44,915
baseline
▲ 0.50% · 4.625%
HK$47,648
+HK$2,733/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,830/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,019
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$48,280
−HK$1,279/mo
Today · 4.125%
HK$49,559
baseline
▲ 0.50% · 4.625%
HK$52,172
+HK$2,613/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,118/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,340
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,031
−HK$1,717/mo
Today · 4.125%
HK$57,748
baseline
▲ 0.50% · 4.625%
HK$61,262
+HK$3,514/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,496/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,453
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,074
−HK$1,645/mo
Today · 4.125%
HK$63,719
baseline
▲ 0.50% · 4.625%
HK$67,078
+HK$3,359/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,438/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,475 · Scale 2, in force from 26 Feb 2026)