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$30,295
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,238
−HK$957/mo
Today · 4.125%
HK$32,195
baseline
▲ 0.50% · 4.625%
HK$34,154
+HK$1,959/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,390/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,703
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,607
−HK$917/mo
Today · 4.125%
HK$35,524
baseline
▲ 0.50% · 4.625%
HK$37,397
+HK$1,873/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,048/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,355
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,485
−HK$1,149/mo
Today · 4.125%
HK$38,634
baseline
▲ 0.50% · 4.625%
HK$40,985
+HK$2,351/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$77,268/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,444
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,529
−HK$1,100/mo
Today · 4.125%
HK$42,629
baseline
▲ 0.50% · 4.625%
HK$44,876
+HK$2,247/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$85,258/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,414
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,733
−HK$1,340/mo
Today · 4.125%
HK$45,073
baseline
▲ 0.50% · 4.625%
HK$47,816
+HK$2,743/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$90,146/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,185
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$48,450
−HK$1,284/mo
Today · 4.125%
HK$49,734
baseline
▲ 0.50% · 4.625%
HK$52,356
+HK$2,622/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$99,468/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,532
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,228
−HK$1,723/mo
Today · 4.125%
HK$57,951
baseline
▲ 0.50% · 4.625%
HK$61,478
+HK$3,527/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$115,902/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,666
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,293
−HK$1,651/mo
Today · 4.125%
HK$63,944
baseline
▲ 0.50% · 4.625%
HK$67,314
+HK$3,370/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$127,888/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,225 · Scale 2, in force from 26 Feb 2026)