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$30,262
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,204
−HK$956/mo
Today · 4.125%
HK$32,160
baseline
▲ 0.50% · 4.625%
HK$34,117
+HK$1,957/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,320/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,666
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,569
−HK$916/mo
Today · 4.125%
HK$35,485
baseline
▲ 0.50% · 4.625%
HK$37,356
+HK$1,871/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$70,970/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,315
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,444
−HK$1,148/mo
Today · 4.125%
HK$38,592
baseline
▲ 0.50% · 4.625%
HK$40,940
+HK$2,348/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,184/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,400
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,483
−HK$1,099/mo
Today · 4.125%
HK$42,582
baseline
▲ 0.50% · 4.625%
HK$44,827
+HK$2,245/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,164/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,367
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,685
−HK$1,339/mo
Today · 4.125%
HK$45,024
baseline
▲ 0.50% · 4.625%
HK$47,763
+HK$2,739/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,048/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,133
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,397
−HK$1,282/mo
Today · 4.125%
HK$49,679
baseline
▲ 0.50% · 4.625%
HK$52,298
+HK$2,619/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,358/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,472
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,166
−HK$1,722/mo
Today · 4.125%
HK$57,888
baseline
▲ 0.50% · 4.625%
HK$61,410
+HK$3,522/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,776/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,600
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,225
−HK$1,649/mo
Today · 4.125%
HK$63,874
baseline
▲ 0.50% · 4.625%
HK$67,240
+HK$3,366/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,748/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,678 · Scale 2, in force from 26 Feb 2026)