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$30,268
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,210
−HK$957/mo
Today · 4.125%
HK$32,167
baseline
▲ 0.50% · 4.625%
HK$34,124
+HK$1,957/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,334/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,673
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,576
−HK$917/mo
Today · 4.125%
HK$35,493
baseline
▲ 0.50% · 4.625%
HK$37,363
+HK$1,870/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$70,986/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,322
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,452
−HK$1,148/mo
Today · 4.125%
HK$38,600
baseline
▲ 0.50% · 4.625%
HK$40,949
+HK$2,349/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,200/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,408
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,492
−HK$1,099/mo
Today · 4.125%
HK$42,591
baseline
▲ 0.50% · 4.625%
HK$44,836
+HK$2,245/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,182/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,376
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,694
−HK$1,339/mo
Today · 4.125%
HK$45,033
baseline
▲ 0.50% · 4.625%
HK$47,773
+HK$2,740/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,066/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,143
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,407
−HK$1,283/mo
Today · 4.125%
HK$49,690
baseline
▲ 0.50% · 4.625%
HK$52,309
+HK$2,619/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,380/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,483
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,178
−HK$1,722/mo
Today · 4.125%
HK$57,900
baseline
▲ 0.50% · 4.625%
HK$61,423
+HK$3,523/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$115,800/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,612
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,238
−HK$1,649/mo
Today · 4.125%
HK$63,887
baseline
▲ 0.50% · 4.625%
HK$67,254
+HK$3,367/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$127,774/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,781 · Scale 2, in force from 26 Feb 2026)