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$30,289
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,231
−HK$957/mo
Today · 4.125%
HK$32,188
baseline
▲ 0.50% · 4.625%
HK$34,147
+HK$1,959/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,376/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,696
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,599
−HK$917/mo
Today · 4.125%
HK$35,516
baseline
▲ 0.50% · 4.625%
HK$37,388
+HK$1,872/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,032/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,346
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,477
−HK$1,149/mo
Today · 4.125%
HK$38,626
baseline
▲ 0.50% · 4.625%
HK$40,976
+HK$2,350/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$77,252/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,435
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,519
−HK$1,101/mo
Today · 4.125%
HK$42,620
baseline
▲ 0.50% · 4.625%
HK$44,866
+HK$2,246/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$85,240/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,404
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,723
−HK$1,340/mo
Today · 4.125%
HK$45,063
baseline
▲ 0.50% · 4.625%
HK$47,805
+HK$2,742/mo
Deposit HK$3.98M · loan HK$9.30M · min. income ≈ HK$90,126/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,174
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,439
−HK$1,284/mo
Today · 4.125%
HK$49,723
baseline
▲ 0.50% · 4.625%
HK$52,344
+HK$2,621/mo
Deposit HK$3.98M · loan HK$9.30M · min. income ≈ HK$99,446/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,520
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,215
−HK$1,723/mo
Today · 4.125%
HK$57,938
baseline
▲ 0.50% · 4.625%
HK$61,464
+HK$3,526/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$115,876/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,652
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,279
−HK$1,650/mo
Today · 4.125%
HK$63,929
baseline
▲ 0.50% · 4.625%
HK$67,299
+HK$3,370/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$127,858/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,113 · Scale 2, in force from 26 Feb 2026)