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$30,261
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,202
−HK$957/mo
Today · 4.125%
HK$32,159
baseline
▲ 0.50% · 4.625%
HK$34,115
+HK$1,956/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,318/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,665
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,568
−HK$916/mo
Today · 4.125%
HK$35,484
baseline
▲ 0.50% · 4.625%
HK$37,354
+HK$1,870/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$70,968/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,313
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,443
−HK$1,147/mo
Today · 4.125%
HK$38,590
baseline
▲ 0.50% · 4.625%
HK$40,938
+HK$2,348/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,180/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,398
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,481
−HK$1,100/mo
Today · 4.125%
HK$42,581
baseline
▲ 0.50% · 4.625%
HK$44,825
+HK$2,244/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,162/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,365
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,683
−HK$1,339/mo
Today · 4.125%
HK$45,022
baseline
▲ 0.50% · 4.625%
HK$47,761
+HK$2,739/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,044/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,131
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,395
−HK$1,282/mo
Today · 4.125%
HK$49,677
baseline
▲ 0.50% · 4.625%
HK$52,296
+HK$2,619/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,354/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,470
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,164
−HK$1,721/mo
Today · 4.125%
HK$57,885
baseline
▲ 0.50% · 4.625%
HK$61,408
+HK$3,523/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$115,770/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,597
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,222
−HK$1,649/mo
Today · 4.125%
HK$63,871
baseline
▲ 0.50% · 4.625%
HK$67,238
+HK$3,367/mo
Deposit HK$1.33M · loan HK$11.94M · min. income ≈ HK$127,742/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$497,658 · Scale 2, in force from 26 Feb 2026)