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$30,303
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,246
−HK$958/mo
Today · 4.125%
HK$32,204
baseline
▲ 0.50% · 4.625%
HK$34,163
+HK$1,959/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,408/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,712
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,616
−HK$918/mo
Today · 4.125%
HK$35,534
baseline
▲ 0.50% · 4.625%
HK$37,407
+HK$1,873/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,068/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,364
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,495
−HK$1,150/mo
Today · 4.125%
HK$38,645
baseline
▲ 0.50% · 4.625%
HK$40,996
+HK$2,351/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$77,290/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,455
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,540
−HK$1,100/mo
Today · 4.125%
HK$42,640
baseline
▲ 0.50% · 4.625%
HK$44,888
+HK$2,248/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$85,280/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,425
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,745
−HK$1,340/mo
Today · 4.125%
HK$45,085
baseline
▲ 0.50% · 4.625%
HK$47,829
+HK$2,744/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$90,170/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,197
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,463
−HK$1,284/mo
Today · 4.125%
HK$49,747
baseline
▲ 0.50% · 4.625%
HK$52,369
+HK$2,622/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$99,494/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,546
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,243
−HK$1,724/mo
Today · 4.125%
HK$57,967
baseline
▲ 0.50% · 4.625%
HK$61,494
+HK$3,527/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$115,934/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,682
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,310
−HK$1,651/mo
Today · 4.125%
HK$63,961
baseline
▲ 0.50% · 4.625%
HK$67,332
+HK$3,371/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$127,922/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,357 · Scale 2, in force from 26 Feb 2026)