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$30,294
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,236
−HK$957/mo
Today · 4.125%
HK$32,193
baseline
▲ 0.50% · 4.625%
HK$34,152
+HK$1,959/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,386/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,702
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,605
−HK$917/mo
Today · 4.125%
HK$35,522
baseline
▲ 0.50% · 4.625%
HK$37,395
+HK$1,873/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,044/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,353
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,483
−HK$1,149/mo
Today · 4.125%
HK$38,632
baseline
▲ 0.50% · 4.625%
HK$40,983
+HK$2,351/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$77,264/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,442
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,526
−HK$1,101/mo
Today · 4.125%
HK$42,627
baseline
▲ 0.50% · 4.625%
HK$44,874
+HK$2,247/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$85,254/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,411
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,730
−HK$1,341/mo
Today · 4.125%
HK$45,071
baseline
▲ 0.50% · 4.625%
HK$47,813
+HK$2,742/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$90,142/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,182
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,447
−HK$1,284/mo
Today · 4.125%
HK$49,731
baseline
▲ 0.50% · 4.625%
HK$52,353
+HK$2,622/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$99,462/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,529
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,225
−HK$1,723/mo
Today · 4.125%
HK$57,948
baseline
▲ 0.50% · 4.625%
HK$61,474
+HK$3,526/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$115,896/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,663
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,290
−HK$1,650/mo
Today · 4.125%
HK$63,940
baseline
▲ 0.50% · 4.625%
HK$67,310
+HK$3,370/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$127,880/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,197 · Scale 2, in force from 26 Feb 2026)