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$30,270
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,212
−HK$956/mo
Today · 4.125%
HK$32,168
baseline
▲ 0.50% · 4.625%
HK$34,126
+HK$1,958/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,336/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$497,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,675
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,579
−HK$916/mo
Today · 4.125%
HK$35,495
baseline
▲ 0.50% · 4.625%
HK$37,366
+HK$1,871/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$70,990/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$497,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,324
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,454
−HK$1,148/mo
Today · 4.125%
HK$38,602
baseline
▲ 0.50% · 4.625%
HK$40,951
+HK$2,349/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,204/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,410
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,494
−HK$1,100/mo
Today · 4.125%
HK$42,594
baseline
▲ 0.50% · 4.625%
HK$44,839
+HK$2,245/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,188/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,378
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,697
−HK$1,339/mo
Today · 4.125%
HK$45,036
baseline
▲ 0.50% · 4.625%
HK$47,776
+HK$2,740/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,072/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,146
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,410
−HK$1,283/mo
Today · 4.125%
HK$49,693
baseline
▲ 0.50% · 4.625%
HK$52,312
+HK$2,619/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,386/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,487
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,181
−HK$1,722/mo
Today · 4.125%
HK$57,903
baseline
▲ 0.50% · 4.625%
HK$61,427
+HK$3,524/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$115,806/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,616
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,241
−HK$1,650/mo
Today · 4.125%
HK$63,891
baseline
▲ 0.50% · 4.625%
HK$67,258
+HK$3,367/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$127,782/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,811 · Scale 2, in force from 26 Feb 2026)