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$30,274
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,215
−HK$957/mo
Today · 4.125%
HK$32,172
baseline
▲ 0.50% · 4.625%
HK$34,130
+HK$1,958/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,344/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$497,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,679
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,582
−HK$917/mo
Today · 4.125%
HK$35,499
baseline
▲ 0.50% · 4.625%
HK$37,370
+HK$1,871/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$70,998/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$497,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,328
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,458
−HK$1,149/mo
Today · 4.125%
HK$38,607
baseline
▲ 0.50% · 4.625%
HK$40,956
+HK$2,349/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$77,214/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,415
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,499
−HK$1,099/mo
Today · 4.125%
HK$42,598
baseline
▲ 0.50% · 4.625%
HK$44,844
+HK$2,246/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$85,196/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,383
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,701
−HK$1,340/mo
Today · 4.125%
HK$45,041
baseline
▲ 0.50% · 4.625%
HK$47,782
+HK$2,741/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,082/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,151
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,415
−HK$1,283/mo
Today · 4.125%
HK$49,698
baseline
▲ 0.50% · 4.625%
HK$52,318
+HK$2,620/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,396/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,493
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,188
−HK$1,722/mo
Today · 4.125%
HK$57,910
baseline
▲ 0.50% · 4.625%
HK$61,433
+HK$3,523/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$115,820/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,622
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,248
−HK$1,650/mo
Today · 4.125%
HK$63,898
baseline
▲ 0.50% · 4.625%
HK$67,266
+HK$3,368/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$127,796/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,867 · Scale 2, in force from 26 Feb 2026)