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$30,283
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,225
−HK$957/mo
Today · 4.125%
HK$32,182
baseline
▲ 0.50% · 4.625%
HK$34,141
+HK$1,959/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,364/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,690
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,594
−HK$916/mo
Today · 4.125%
HK$35,510
baseline
▲ 0.50% · 4.625%
HK$37,382
+HK$1,872/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,020/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,340
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,470
−HK$1,149/mo
Today · 4.125%
HK$38,619
baseline
▲ 0.50% · 4.625%
HK$40,969
+HK$2,350/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$77,238/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,428
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,512
−HK$1,100/mo
Today · 4.125%
HK$42,612
baseline
▲ 0.50% · 4.625%
HK$44,858
+HK$2,246/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$85,224/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,397
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,716
−HK$1,339/mo
Today · 4.125%
HK$45,055
baseline
▲ 0.50% · 4.625%
HK$47,797
+HK$2,742/mo
Deposit HK$3.98M · loan HK$9.30M · min. income ≈ HK$90,110/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,166
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,431
−HK$1,283/mo
Today · 4.125%
HK$49,714
baseline
▲ 0.50% · 4.625%
HK$52,335
+HK$2,621/mo
Deposit HK$3.98M · loan HK$9.30M · min. income ≈ HK$99,428/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,510
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,206
−HK$1,722/mo
Today · 4.125%
HK$57,928
baseline
▲ 0.50% · 4.625%
HK$61,453
+HK$3,525/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$115,856/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,642
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,268
−HK$1,650/mo
Today · 4.125%
HK$63,918
baseline
▲ 0.50% · 4.625%
HK$67,288
+HK$3,370/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$127,836/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,027 · Scale 2, in force from 26 Feb 2026)