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$30,283
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,225
−HK$957/mo
Today · 4.125%
HK$32,182
baseline
▲ 0.50% · 4.625%
HK$34,140
+HK$1,958/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,364/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,689
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,593
−HK$917/mo
Today · 4.125%
HK$35,510
baseline
▲ 0.50% · 4.625%
HK$37,381
+HK$1,871/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,020/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,339
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,470
−HK$1,148/mo
Today · 4.125%
HK$38,618
baseline
▲ 0.50% · 4.625%
HK$40,968
+HK$2,350/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$77,236/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,427
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,512
−HK$1,099/mo
Today · 4.125%
HK$42,611
baseline
▲ 0.50% · 4.625%
HK$44,858
+HK$2,247/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$85,222/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,396
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,715
−HK$1,340/mo
Today · 4.125%
HK$45,055
baseline
▲ 0.50% · 4.625%
HK$47,796
+HK$2,741/mo
Deposit HK$3.98M · loan HK$9.30M · min. income ≈ HK$90,110/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,165
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,430
−HK$1,283/mo
Today · 4.125%
HK$49,713
baseline
▲ 0.50% · 4.625%
HK$52,334
+HK$2,621/mo
Deposit HK$3.98M · loan HK$9.30M · min. income ≈ HK$99,426/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,509
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,205
−HK$1,722/mo
Today · 4.125%
HK$57,927
baseline
▲ 0.50% · 4.625%
HK$61,452
+HK$3,525/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$115,854/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,641
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,267
−HK$1,650/mo
Today · 4.125%
HK$63,917
baseline
▲ 0.50% · 4.625%
HK$67,286
+HK$3,369/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$127,834/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,019 · Scale 2, in force from 26 Feb 2026)