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$30,300
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,242
−HK$958/mo
Today · 4.125%
HK$32,200
baseline
▲ 0.50% · 4.625%
HK$34,159
+HK$1,959/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,400/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,708
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,612
−HK$917/mo
Today · 4.125%
HK$35,529
baseline
▲ 0.50% · 4.625%
HK$37,402
+HK$1,873/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,058/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,360
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,491
−HK$1,149/mo
Today · 4.125%
HK$38,640
baseline
▲ 0.50% · 4.625%
HK$40,991
+HK$2,351/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$77,280/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,450
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,535
−HK$1,100/mo
Today · 4.125%
HK$42,635
baseline
▲ 0.50% · 4.625%
HK$44,883
+HK$2,248/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$85,270/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,420
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,739
−HK$1,341/mo
Today · 4.125%
HK$45,080
baseline
▲ 0.50% · 4.625%
HK$47,823
+HK$2,743/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$90,160/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,192
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,457
−HK$1,284/mo
Today · 4.125%
HK$49,741
baseline
▲ 0.50% · 4.625%
HK$52,363
+HK$2,622/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$99,482/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,540
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,236
−HK$1,724/mo
Today · 4.125%
HK$57,960
baseline
▲ 0.50% · 4.625%
HK$61,486
+HK$3,526/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$115,920/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,675
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,302
−HK$1,651/mo
Today · 4.125%
HK$63,953
baseline
▲ 0.50% · 4.625%
HK$67,324
+HK$3,371/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$127,906/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,296 · Scale 2, in force from 26 Feb 2026)