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$30,275
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,217
−HK$957/mo
Today · 4.125%
HK$32,174
baseline
▲ 0.50% · 4.625%
HK$34,132
+HK$1,958/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,348/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$497,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,681
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,584
−HK$917/mo
Today · 4.125%
HK$35,501
baseline
▲ 0.50% · 4.625%
HK$37,372
+HK$1,871/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,002/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$497,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,330
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,461
−HK$1,148/mo
Today · 4.125%
HK$38,609
baseline
▲ 0.50% · 4.625%
HK$40,958
+HK$2,349/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$77,218/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,417
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,501
−HK$1,100/mo
Today · 4.125%
HK$42,601
baseline
▲ 0.50% · 4.625%
HK$44,846
+HK$2,245/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$85,202/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,385
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,704
−HK$1,339/mo
Today · 4.125%
HK$45,043
baseline
▲ 0.50% · 4.625%
HK$47,784
+HK$2,741/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,086/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,153
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,418
−HK$1,283/mo
Today · 4.125%
HK$49,701
baseline
▲ 0.50% · 4.625%
HK$52,321
+HK$2,620/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,402/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,496
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,191
−HK$1,722/mo
Today · 4.125%
HK$57,913
baseline
▲ 0.50% · 4.625%
HK$61,437
+HK$3,524/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$115,826/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,626
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,252
−HK$1,649/mo
Today · 4.125%
HK$63,901
baseline
▲ 0.50% · 4.625%
HK$67,270
+HK$3,369/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$127,802/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,894 · Scale 2, in force from 26 Feb 2026)