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$30,292
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,234
−HK$958/mo
Today · 4.125%
HK$32,192
baseline
▲ 0.50% · 4.625%
HK$34,150
+HK$1,958/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,384/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,700
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,603
−HK$917/mo
Today · 4.125%
HK$35,520
baseline
▲ 0.50% · 4.625%
HK$37,393
+HK$1,873/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,040/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,351
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,481
−HK$1,149/mo
Today · 4.125%
HK$38,630
baseline
▲ 0.50% · 4.625%
HK$40,981
+HK$2,351/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$77,260/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,440
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,524
−HK$1,100/mo
Today · 4.125%
HK$42,624
baseline
▲ 0.50% · 4.625%
HK$44,871
+HK$2,247/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$85,248/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,409
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,728
−HK$1,340/mo
Today · 4.125%
HK$45,068
baseline
▲ 0.50% · 4.625%
HK$47,811
+HK$2,743/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$90,136/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,180
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,445
−HK$1,283/mo
Today · 4.125%
HK$49,728
baseline
▲ 0.50% · 4.625%
HK$52,350
+HK$2,622/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$99,456/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,526
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,222
−HK$1,723/mo
Today · 4.125%
HK$57,945
baseline
▲ 0.50% · 4.625%
HK$61,471
+HK$3,526/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$115,890/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,659
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,286
−HK$1,651/mo
Today · 4.125%
HK$63,937
baseline
▲ 0.50% · 4.625%
HK$67,307
+HK$3,370/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$127,874/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,170 · Scale 2, in force from 26 Feb 2026)