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$30,288
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,230
−HK$957/mo
Today · 4.125%
HK$32,187
baseline
▲ 0.50% · 4.625%
HK$34,145
+HK$1,958/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,374/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,695
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,598
−HK$917/mo
Today · 4.125%
HK$35,515
baseline
▲ 0.50% · 4.625%
HK$37,387
+HK$1,872/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,030/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,345
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,476
−HK$1,148/mo
Today · 4.125%
HK$38,624
baseline
▲ 0.50% · 4.625%
HK$40,975
+HK$2,351/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$77,248/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,434
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,518
−HK$1,100/mo
Today · 4.125%
HK$42,618
baseline
▲ 0.50% · 4.625%
HK$44,865
+HK$2,247/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$85,236/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,403
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,722
−HK$1,340/mo
Today · 4.125%
HK$45,062
baseline
▲ 0.50% · 4.625%
HK$47,804
+HK$2,742/mo
Deposit HK$3.98M · loan HK$9.30M · min. income ≈ HK$90,124/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,173
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,438
−HK$1,283/mo
Today · 4.125%
HK$49,721
baseline
▲ 0.50% · 4.625%
HK$52,342
+HK$2,621/mo
Deposit HK$3.98M · loan HK$9.30M · min. income ≈ HK$99,442/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,518
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,214
−HK$1,723/mo
Today · 4.125%
HK$57,937
baseline
▲ 0.50% · 4.625%
HK$61,462
+HK$3,525/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$115,874/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,650
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,277
−HK$1,650/mo
Today · 4.125%
HK$63,927
baseline
▲ 0.50% · 4.625%
HK$67,297
+HK$3,370/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$127,854/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,097 · Scale 2, in force from 26 Feb 2026)