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$30,296
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,239
−HK$957/mo
Today · 4.125%
HK$32,196
baseline
▲ 0.50% · 4.625%
HK$34,155
+HK$1,959/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,392/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,704
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,608
−HK$917/mo
Today · 4.125%
HK$35,525
baseline
▲ 0.50% · 4.625%
HK$37,398
+HK$1,873/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,050/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,356
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,487
−HK$1,148/mo
Today · 4.125%
HK$38,635
baseline
▲ 0.50% · 4.625%
HK$40,986
+HK$2,351/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$77,270/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,445
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,530
−HK$1,100/mo
Today · 4.125%
HK$42,630
baseline
▲ 0.50% · 4.625%
HK$44,878
+HK$2,248/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$85,260/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,415
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,734
−HK$1,341/mo
Today · 4.125%
HK$45,075
baseline
▲ 0.50% · 4.625%
HK$47,817
+HK$2,742/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$90,150/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,186
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,452
−HK$1,284/mo
Today · 4.125%
HK$49,736
baseline
▲ 0.50% · 4.625%
HK$52,357
+HK$2,621/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$99,472/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,534
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,230
−HK$1,723/mo
Today · 4.125%
HK$57,953
baseline
▲ 0.50% · 4.625%
HK$61,480
+HK$3,527/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$115,906/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,668
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,295
−HK$1,651/mo
Today · 4.125%
HK$63,946
baseline
▲ 0.50% · 4.625%
HK$67,316
+HK$3,370/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$127,892/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,240 · Scale 2, in force from 26 Feb 2026)