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$30,289
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,231
−HK$958/mo
Today · 4.125%
HK$32,189
baseline
▲ 0.50% · 4.625%
HK$34,147
+HK$1,958/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,378/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,696
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,600
−HK$917/mo
Today · 4.125%
HK$35,517
baseline
▲ 0.50% · 4.625%
HK$37,389
+HK$1,872/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,034/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,347
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,478
−HK$1,148/mo
Today · 4.125%
HK$38,626
baseline
▲ 0.50% · 4.625%
HK$40,977
+HK$2,351/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$77,252/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,436
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,520
−HK$1,100/mo
Today · 4.125%
HK$42,620
baseline
▲ 0.50% · 4.625%
HK$44,867
+HK$2,247/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$85,240/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,405
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,724
−HK$1,340/mo
Today · 4.125%
HK$45,064
baseline
▲ 0.50% · 4.625%
HK$47,806
+HK$2,742/mo
Deposit HK$3.98M · loan HK$9.30M · min. income ≈ HK$90,128/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,175
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,440
−HK$1,284/mo
Today · 4.125%
HK$49,724
baseline
▲ 0.50% · 4.625%
HK$52,345
+HK$2,621/mo
Deposit HK$3.98M · loan HK$9.30M · min. income ≈ HK$99,448/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,521
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,216
−HK$1,723/mo
Today · 4.125%
HK$57,939
baseline
▲ 0.50% · 4.625%
HK$61,465
+HK$3,526/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$115,878/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,654
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,280
−HK$1,650/mo
Today · 4.125%
HK$63,930
baseline
▲ 0.50% · 4.625%
HK$67,300
+HK$3,370/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$127,860/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,122 · Scale 2, in force from 26 Feb 2026)