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$30,263
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,204
−HK$957/mo
Today · 4.125%
HK$32,161
baseline
▲ 0.50% · 4.625%
HK$34,118
+HK$1,957/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,322/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,667
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,570
−HK$916/mo
Today · 4.125%
HK$35,486
baseline
▲ 0.50% · 4.625%
HK$37,357
+HK$1,871/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$70,972/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,316
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,445
−HK$1,148/mo
Today · 4.125%
HK$38,593
baseline
▲ 0.50% · 4.625%
HK$40,941
+HK$2,348/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,186/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,401
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,484
−HK$1,100/mo
Today · 4.125%
HK$42,584
baseline
▲ 0.50% · 4.625%
HK$44,828
+HK$2,244/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,168/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,368
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,686
−HK$1,339/mo
Today · 4.125%
HK$45,025
baseline
▲ 0.50% · 4.625%
HK$47,765
+HK$2,740/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,050/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,134
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,398
−HK$1,283/mo
Today · 4.125%
HK$49,681
baseline
▲ 0.50% · 4.625%
HK$52,299
+HK$2,618/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,362/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,473
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,168
−HK$1,721/mo
Today · 4.125%
HK$57,889
baseline
▲ 0.50% · 4.625%
HK$61,412
+HK$3,523/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,778/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,601
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,226
−HK$1,649/mo
Today · 4.125%
HK$63,875
baseline
▲ 0.50% · 4.625%
HK$67,242
+HK$3,367/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,750/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,692 · Scale 2, in force from 26 Feb 2026)