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$30,291
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,233
−HK$957/mo
Today · 4.125%
HK$32,190
baseline
▲ 0.50% · 4.625%
HK$34,149
+HK$1,959/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,380/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,698
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,602
−HK$917/mo
Today · 4.125%
HK$35,519
baseline
▲ 0.50% · 4.625%
HK$37,391
+HK$1,872/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,038/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,349
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,479
−HK$1,149/mo
Today · 4.125%
HK$38,628
baseline
▲ 0.50% · 4.625%
HK$40,979
+HK$2,351/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$77,256/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,438
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,522
−HK$1,100/mo
Today · 4.125%
HK$42,622
baseline
▲ 0.50% · 4.625%
HK$44,869
+HK$2,247/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$85,244/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,407
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,726
−HK$1,340/mo
Today · 4.125%
HK$45,066
baseline
▲ 0.50% · 4.625%
HK$47,808
+HK$2,742/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$90,132/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,177
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,443
−HK$1,283/mo
Today · 4.125%
HK$49,726
baseline
▲ 0.50% · 4.625%
HK$52,347
+HK$2,621/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$99,452/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,523
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,219
−HK$1,723/mo
Today · 4.125%
HK$57,942
baseline
▲ 0.50% · 4.625%
HK$61,468
+HK$3,526/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$115,884/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,657
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,283
−HK$1,651/mo
Today · 4.125%
HK$63,934
baseline
▲ 0.50% · 4.625%
HK$67,304
+HK$3,370/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$127,868/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,147 · Scale 2, in force from 26 Feb 2026)