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$30,276
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,218
−HK$956/mo
Today · 4.125%
HK$32,174
baseline
▲ 0.50% · 4.625%
HK$34,132
+HK$1,958/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,348/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$497,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,681
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,585
−HK$916/mo
Today · 4.125%
HK$35,501
baseline
▲ 0.50% · 4.625%
HK$37,373
+HK$1,872/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,002/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$497,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,331
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,461
−HK$1,148/mo
Today · 4.125%
HK$38,609
baseline
▲ 0.50% · 4.625%
HK$40,958
+HK$2,349/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$77,218/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,418
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,502
−HK$1,099/mo
Today · 4.125%
HK$42,601
baseline
▲ 0.50% · 4.625%
HK$44,847
+HK$2,246/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$85,202/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,386
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,705
−HK$1,339/mo
Today · 4.125%
HK$45,044
baseline
▲ 0.50% · 4.625%
HK$47,785
+HK$2,741/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,088/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,154
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,419
−HK$1,283/mo
Today · 4.125%
HK$49,702
baseline
▲ 0.50% · 4.625%
HK$52,322
+HK$2,620/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,404/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,496
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,192
−HK$1,722/mo
Today · 4.125%
HK$57,914
baseline
▲ 0.50% · 4.625%
HK$61,438
+HK$3,524/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$115,828/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,627
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,253
−HK$1,649/mo
Today · 4.125%
HK$63,902
baseline
▲ 0.50% · 4.625%
HK$67,271
+HK$3,369/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$127,804/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,901 · Scale 2, in force from 26 Feb 2026)