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$30,260
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,202
−HK$956/mo
Today · 4.125%
HK$32,158
baseline
▲ 0.50% · 4.625%
HK$34,115
+HK$1,957/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,316/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,664
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,567
−HK$916/mo
Today · 4.125%
HK$35,483
baseline
▲ 0.50% · 4.625%
HK$37,353
+HK$1,870/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$70,966/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,312
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,442
−HK$1,148/mo
Today · 4.125%
HK$38,590
baseline
▲ 0.50% · 4.625%
HK$40,938
+HK$2,348/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,180/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,397
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,481
−HK$1,099/mo
Today · 4.125%
HK$42,580
baseline
▲ 0.50% · 4.625%
HK$44,824
+HK$2,244/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,160/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,364
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,682
−HK$1,339/mo
Today · 4.125%
HK$45,021
baseline
▲ 0.50% · 4.625%
HK$47,761
+HK$2,740/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,042/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,130
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,394
−HK$1,282/mo
Today · 4.125%
HK$49,676
baseline
▲ 0.50% · 4.625%
HK$52,295
+HK$2,619/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,352/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,469
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,163
−HK$1,721/mo
Today · 4.125%
HK$57,884
baseline
▲ 0.50% · 4.625%
HK$61,406
+HK$3,522/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,768/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,596
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,221
−HK$1,649/mo
Today · 4.125%
HK$63,870
baseline
▲ 0.50% · 4.625%
HK$67,236
+HK$3,366/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,740/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,648 · Scale 2, in force from 26 Feb 2026)