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$34,131
+HK$1,957/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$497,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,681
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,584
−HK$916/mo
Today · 4.125%
HK$35,500
baseline
▲ 0.50% · 4.625%
HK$37,372
+HK$1,872/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,000/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$497,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,330
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,460
−HK$1,148/mo
Today · 4.125%
HK$38,608
baseline
▲ 0.50% · 4.625%
HK$40,957
+HK$2,349/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$77,216/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,417
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,501
−HK$1,099/mo
Today · 4.125%
HK$42,600
baseline
▲ 0.50% · 4.625%
HK$44,846
+HK$2,246/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$85,200/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,385
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,703
−HK$1,340/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$497,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,153
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,418
−HK$1,282/mo
Today · 4.125%
HK$49,700
baseline
▲ 0.50% · 4.625%
HK$52,320
+HK$2,620/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,400/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,495
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,190
−HK$1,722/mo
Today · 4.125%
HK$57,912
baseline
▲ 0.50% · 4.625%
HK$61,436
+HK$3,524/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$115,824/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,625
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,251
−HK$1,650/mo
Today · 4.125%
HK$63,901
baseline
▲ 0.50% · 4.625%
HK$67,269
+HK$3,368/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$497,889 · Scale 2, in force from 26 Feb 2026)