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$30,304
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,247
−HK$957/mo
Today · 4.125%
HK$32,204
baseline
▲ 0.50% · 4.625%
HK$34,164
+HK$1,960/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,408/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,713
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,617
−HK$917/mo
Today · 4.125%
HK$35,534
baseline
▲ 0.50% · 4.625%
HK$37,407
+HK$1,873/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,068/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,365
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,496
−HK$1,149/mo
Today · 4.125%
HK$38,645
baseline
▲ 0.50% · 4.625%
HK$40,997
+HK$2,352/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$77,290/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,456
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,541
−HK$1,100/mo
Today · 4.125%
HK$42,641
baseline
▲ 0.50% · 4.625%
HK$44,889
+HK$2,248/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$85,282/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,426
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,745
−HK$1,341/mo
Today · 4.125%
HK$45,086
baseline
▲ 0.50% · 4.625%
HK$47,830
+HK$2,744/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$90,172/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,198
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,464
−HK$1,284/mo
Today · 4.125%
HK$49,748
baseline
▲ 0.50% · 4.625%
HK$52,370
+HK$2,622/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$99,496/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,547
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,244
−HK$1,724/mo
Today · 4.125%
HK$57,968
baseline
▲ 0.50% · 4.625%
HK$61,495
+HK$3,527/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$115,936/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,683
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,311
−HK$1,651/mo
Today · 4.125%
HK$63,962
baseline
▲ 0.50% · 4.625%
HK$67,333
+HK$3,371/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$127,924/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,366 · Scale 2, in force from 26 Feb 2026)