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$30,301
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,244
−HK$957/mo
Today · 4.125%
HK$32,201
baseline
▲ 0.50% · 4.625%
HK$34,161
+HK$1,960/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,402/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,710
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,614
−HK$917/mo
Today · 4.125%
HK$35,531
baseline
▲ 0.50% · 4.625%
HK$37,404
+HK$1,873/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,062/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,362
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,493
−HK$1,149/mo
Today · 4.125%
HK$38,642
baseline
▲ 0.50% · 4.625%
HK$40,993
+HK$2,351/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$77,284/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,452
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,537
−HK$1,100/mo
Today · 4.125%
HK$42,637
baseline
▲ 0.50% · 4.625%
HK$44,885
+HK$2,248/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$85,274/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,422
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,741
−HK$1,341/mo
Today · 4.125%
HK$45,082
baseline
▲ 0.50% · 4.625%
HK$47,825
+HK$2,743/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$90,164/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,194
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,459
−HK$1,285/mo
Today · 4.125%
HK$49,744
baseline
▲ 0.50% · 4.625%
HK$52,366
+HK$2,622/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$99,488/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,542
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,239
−HK$1,724/mo
Today · 4.125%
HK$57,963
baseline
▲ 0.50% · 4.625%
HK$61,489
+HK$3,526/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$115,926/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,678
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,305
−HK$1,651/mo
Today · 4.125%
HK$63,956
baseline
▲ 0.50% · 4.625%
HK$67,327
+HK$3,371/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$127,912/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,320 · Scale 2, in force from 26 Feb 2026)