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$30,303
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,245
−HK$958/mo
Today · 4.125%
HK$32,203
baseline
▲ 0.50% · 4.625%
HK$34,163
+HK$1,960/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,406/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,712
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,616
−HK$917/mo
Today · 4.125%
HK$35,533
baseline
▲ 0.50% · 4.625%
HK$37,406
+HK$1,873/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,066/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,363
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,495
−HK$1,149/mo
Today · 4.125%
HK$38,644
baseline
▲ 0.50% · 4.625%
HK$40,995
+HK$2,351/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$77,288/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,454
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,539
−HK$1,101/mo
Today · 4.125%
HK$42,640
baseline
▲ 0.50% · 4.625%
HK$44,887
+HK$2,247/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$85,280/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,424
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,744
−HK$1,340/mo
Today · 4.125%
HK$45,084
baseline
▲ 0.50% · 4.625%
HK$47,828
+HK$2,744/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$90,168/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,196
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,462
−HK$1,284/mo
Today · 4.125%
HK$49,746
baseline
▲ 0.50% · 4.625%
HK$52,368
+HK$2,622/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$99,492/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,545
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,242
−HK$1,724/mo
Today · 4.125%
HK$57,966
baseline
▲ 0.50% · 4.625%
HK$61,493
+HK$3,527/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$115,932/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,681
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,308
−HK$1,651/mo
Today · 4.125%
HK$63,959
baseline
▲ 0.50% · 4.625%
HK$67,331
+HK$3,372/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$127,918/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,347 · Scale 2, in force from 26 Feb 2026)