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$30,267
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,208
−HK$957/mo
Today · 4.125%
HK$32,165
baseline
▲ 0.50% · 4.625%
HK$34,122
+HK$1,957/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,330/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,672
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,575
−HK$916/mo
Today · 4.125%
HK$35,491
baseline
▲ 0.50% · 4.625%
HK$37,361
+HK$1,870/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$70,982/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,320
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,450
−HK$1,148/mo
Today · 4.125%
HK$38,598
baseline
▲ 0.50% · 4.625%
HK$40,946
+HK$2,348/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,196/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,406
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,489
−HK$1,100/mo
Today · 4.125%
HK$42,589
baseline
▲ 0.50% · 4.625%
HK$44,834
+HK$2,245/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,178/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,374
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,692
−HK$1,339/mo
Today · 4.125%
HK$45,031
baseline
▲ 0.50% · 4.625%
HK$47,771
+HK$2,740/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,062/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,140
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,404
−HK$1,283/mo
Today · 4.125%
HK$49,687
baseline
▲ 0.50% · 4.625%
HK$52,306
+HK$2,619/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,374/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,480
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,175
−HK$1,722/mo
Today · 4.125%
HK$57,897
baseline
▲ 0.50% · 4.625%
HK$61,419
+HK$3,522/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$115,794/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,609
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,234
−HK$1,649/mo
Today · 4.125%
HK$63,883
baseline
▲ 0.50% · 4.625%
HK$67,251
+HK$3,368/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$127,766/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,754 · Scale 2, in force from 26 Feb 2026)