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$30,286
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,228
−HK$957/mo
Today · 4.125%
HK$32,185
baseline
▲ 0.50% · 4.625%
HK$34,144
+HK$1,959/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,370/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,693
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,597
−HK$916/mo
Today · 4.125%
HK$35,513
baseline
▲ 0.50% · 4.625%
HK$37,385
+HK$1,872/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,026/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,343
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,474
−HK$1,149/mo
Today · 4.125%
HK$38,623
baseline
▲ 0.50% · 4.625%
HK$40,973
+HK$2,350/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$77,246/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,432
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,516
−HK$1,100/mo
Today · 4.125%
HK$42,616
baseline
▲ 0.50% · 4.625%
HK$44,862
+HK$2,246/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$85,232/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,401
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,720
−HK$1,340/mo
Today · 4.125%
HK$45,060
baseline
▲ 0.50% · 4.625%
HK$47,801
+HK$2,741/mo
Deposit HK$3.98M · loan HK$9.30M · min. income ≈ HK$90,120/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,170
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,435
−HK$1,284/mo
Today · 4.125%
HK$49,719
baseline
▲ 0.50% · 4.625%
HK$52,340
+HK$2,621/mo
Deposit HK$3.98M · loan HK$9.30M · min. income ≈ HK$99,438/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,515
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,211
−HK$1,723/mo
Today · 4.125%
HK$57,934
baseline
▲ 0.50% · 4.625%
HK$61,459
+HK$3,525/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$115,868/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,648
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,274
−HK$1,650/mo
Today · 4.125%
HK$63,924
baseline
▲ 0.50% · 4.625%
HK$67,294
+HK$3,370/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$127,848/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,073 · Scale 2, in force from 26 Feb 2026)