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$30,273
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,215
−HK$957/mo
Today · 4.125%
HK$32,172
baseline
▲ 0.50% · 4.625%
HK$34,129
+HK$1,957/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,344/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$497,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,679
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,582
−HK$916/mo
Today · 4.125%
HK$35,498
baseline
▲ 0.50% · 4.625%
HK$37,369
+HK$1,871/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$70,996/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$497,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,328
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,458
−HK$1,148/mo
Today · 4.125%
HK$38,606
baseline
▲ 0.50% · 4.625%
HK$40,955
+HK$2,349/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$77,212/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,414
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,498
−HK$1,100/mo
Today · 4.125%
HK$42,598
baseline
▲ 0.50% · 4.625%
HK$44,843
+HK$2,245/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$85,196/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,383
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,701
−HK$1,339/mo
Today · 4.125%
HK$45,040
baseline
▲ 0.50% · 4.625%
HK$47,781
+HK$2,741/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,080/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,150
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,415
−HK$1,283/mo
Today · 4.125%
HK$49,698
baseline
▲ 0.50% · 4.625%
HK$52,317
+HK$2,619/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,396/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,492
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,187
−HK$1,722/mo
Today · 4.125%
HK$57,909
baseline
▲ 0.50% · 4.625%
HK$61,433
+HK$3,524/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$115,818/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,622
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,248
−HK$1,649/mo
Today · 4.125%
HK$63,897
baseline
▲ 0.50% · 4.625%
HK$67,265
+HK$3,368/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$127,794/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,861 · Scale 2, in force from 26 Feb 2026)