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$30,285
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,227
−HK$957/mo
Today · 4.125%
HK$32,184
baseline
▲ 0.50% · 4.625%
HK$34,143
+HK$1,959/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,368/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,692
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,596
−HK$916/mo
Today · 4.125%
HK$35,512
baseline
▲ 0.50% · 4.625%
HK$37,384
+HK$1,872/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,024/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,342
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,473
−HK$1,148/mo
Today · 4.125%
HK$38,621
baseline
▲ 0.50% · 4.625%
HK$40,971
+HK$2,350/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$77,242/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,431
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,515
−HK$1,100/mo
Today · 4.125%
HK$42,615
baseline
▲ 0.50% · 4.625%
HK$44,861
+HK$2,246/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$85,230/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,399
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,718
−HK$1,340/mo
Today · 4.125%
HK$45,058
baseline
▲ 0.50% · 4.625%
HK$47,800
+HK$2,742/mo
Deposit HK$3.98M · loan HK$9.30M · min. income ≈ HK$90,116/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,169
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,434
−HK$1,283/mo
Today · 4.125%
HK$49,717
baseline
▲ 0.50% · 4.625%
HK$52,338
+HK$2,621/mo
Deposit HK$3.98M · loan HK$9.30M · min. income ≈ HK$99,434/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,514
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,209
−HK$1,723/mo
Today · 4.125%
HK$57,932
baseline
▲ 0.50% · 4.625%
HK$61,457
+HK$3,525/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$115,864/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,646
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,272
−HK$1,650/mo
Today · 4.125%
HK$63,922
baseline
▲ 0.50% · 4.625%
HK$67,292
+HK$3,370/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$127,844/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,058 · Scale 2, in force from 26 Feb 2026)