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$30,266
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,208
−HK$956/mo
Today · 4.125%
HK$32,164
baseline
▲ 0.50% · 4.625%
HK$34,121
+HK$1,957/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,328/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,671
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,574
−HK$916/mo
Today · 4.125%
HK$35,490
baseline
▲ 0.50% · 4.625%
HK$37,361
+HK$1,871/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$70,980/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,320
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,449
−HK$1,148/mo
Today · 4.125%
HK$38,597
baseline
▲ 0.50% · 4.625%
HK$40,946
+HK$2,349/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,194/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,405
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,489
−HK$1,099/mo
Today · 4.125%
HK$42,588
baseline
▲ 0.50% · 4.625%
HK$44,833
+HK$2,245/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,176/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,373
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,691
−HK$1,339/mo
Today · 4.125%
HK$45,030
baseline
▲ 0.50% · 4.625%
HK$47,770
+HK$2,740/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,060/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,139
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,404
−HK$1,282/mo
Today · 4.125%
HK$49,686
baseline
▲ 0.50% · 4.625%
HK$52,305
+HK$2,619/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,372/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,479
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,174
−HK$1,722/mo
Today · 4.125%
HK$57,896
baseline
▲ 0.50% · 4.625%
HK$61,419
+HK$3,523/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$115,792/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,608
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,233
−HK$1,649/mo
Today · 4.125%
HK$63,882
baseline
▲ 0.50% · 4.625%
HK$67,250
+HK$3,368/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$127,764/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,746 · Scale 2, in force from 26 Feb 2026)