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$30,266
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,207
−HK$957/mo
Today · 4.125%
HK$32,164
baseline
▲ 0.50% · 4.625%
HK$34,121
+HK$1,957/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,328/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,670
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,573
−HK$917/mo
Today · 4.125%
HK$35,490
baseline
▲ 0.50% · 4.625%
HK$37,360
+HK$1,870/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$70,980/mo (50% DSR)
Upfront cash ≈ HK$7.13M (deposit + AVD stamp duty HK$497,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,319
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,449
−HK$1,148/mo
Today · 4.125%
HK$38,597
baseline
▲ 0.50% · 4.625%
HK$40,945
+HK$2,348/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$77,194/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,405
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,488
−HK$1,099/mo
Today · 4.125%
HK$42,587
baseline
▲ 0.50% · 4.625%
HK$44,832
+HK$2,245/mo
Deposit HK$5.31M · loan HK$7.96M · min. income ≈ HK$85,174/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,372
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$43,690
−HK$1,339/mo
Today · 4.125%
HK$45,029
baseline
▲ 0.50% · 4.625%
HK$47,769
+HK$2,740/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,058/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,139
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,403
−HK$1,282/mo
Today · 4.125%
HK$49,685
baseline
▲ 0.50% · 4.625%
HK$52,304
+HK$2,619/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,370/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,478
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,173
−HK$1,722/mo
Today · 4.125%
HK$57,895
baseline
▲ 0.50% · 4.625%
HK$61,418
+HK$3,523/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$115,790/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,607
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,232
−HK$1,649/mo
Today · 4.125%
HK$63,881
baseline
▲ 0.50% · 4.625%
HK$67,248
+HK$3,367/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$127,762/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,738 · Scale 2, in force from 26 Feb 2026)