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$30,281
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,223
−HK$957/mo
Today · 4.125%
HK$32,180
baseline
▲ 0.50% · 4.625%
HK$34,138
+HK$1,958/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,360/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$497,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,687
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,591
−HK$916/mo
Today · 4.125%
HK$35,507
baseline
▲ 0.50% · 4.625%
HK$37,379
+HK$1,872/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,014/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$497,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,337
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,467
−HK$1,149/mo
Today · 4.125%
HK$38,616
baseline
▲ 0.50% · 4.625%
HK$40,965
+HK$2,349/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$77,232/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,425
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,509
−HK$1,100/mo
Today · 4.125%
HK$42,609
baseline
▲ 0.50% · 4.625%
HK$44,855
+HK$2,246/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$85,218/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,393
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,712
−HK$1,340/mo
Today · 4.125%
HK$45,052
baseline
▲ 0.50% · 4.625%
HK$47,793
+HK$2,741/mo
Deposit HK$3.98M · loan HK$9.30M · min. income ≈ HK$90,104/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,162
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,427
−HK$1,283/mo
Today · 4.125%
HK$49,710
baseline
▲ 0.50% · 4.625%
HK$52,330
+HK$2,620/mo
Deposit HK$3.98M · loan HK$9.30M · min. income ≈ HK$99,420/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,506
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,201
−HK$1,722/mo
Today · 4.125%
HK$57,923
baseline
▲ 0.50% · 4.625%
HK$61,448
+HK$3,525/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$115,846/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,637
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,263
−HK$1,650/mo
Today · 4.125%
HK$63,913
baseline
▲ 0.50% · 4.625%
HK$67,282
+HK$3,369/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$127,826/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,985 · Scale 2, in force from 26 Feb 2026)