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$30,272
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,214
−HK$957/mo
Today · 4.125%
HK$32,171
baseline
▲ 0.50% · 4.625%
HK$34,128
+HK$1,957/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,342/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$497,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,678
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,581
−HK$916/mo
Today · 4.125%
HK$35,497
baseline
▲ 0.50% · 4.625%
HK$37,368
+HK$1,871/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$70,994/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$497,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,327
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,457
−HK$1,148/mo
Today · 4.125%
HK$38,605
baseline
▲ 0.50% · 4.625%
HK$40,954
+HK$2,349/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$77,210/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,413
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,497
−HK$1,099/mo
Today · 4.125%
HK$42,596
baseline
▲ 0.50% · 4.625%
HK$44,842
+HK$2,246/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$85,192/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$497,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,381
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,699
−HK$1,340/mo
Today · 4.125%
HK$45,039
baseline
▲ 0.50% · 4.625%
HK$47,779
+HK$2,740/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$90,078/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,149
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$48,413
−HK$1,283/mo
Today · 4.125%
HK$49,696
baseline
▲ 0.50% · 4.625%
HK$52,315
+HK$2,619/mo
Deposit HK$3.98M · loan HK$9.29M · min. income ≈ HK$99,392/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$497,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,490
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,185
−HK$1,722/mo
Today · 4.125%
HK$57,907
baseline
▲ 0.50% · 4.625%
HK$61,431
+HK$3,524/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$115,814/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,620
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,245
−HK$1,650/mo
Today · 4.125%
HK$63,895
baseline
▲ 0.50% · 4.625%
HK$67,263
+HK$3,368/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$127,790/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$497,843 · Scale 2, in force from 26 Feb 2026)