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$30,284
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,226
−HK$957/mo
Today · 4.125%
HK$32,183
baseline
▲ 0.50% · 4.625%
HK$34,141
+HK$1,958/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$64,366/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,690
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,594
−HK$917/mo
Today · 4.125%
HK$35,511
baseline
▲ 0.50% · 4.625%
HK$37,382
+HK$1,871/mo
Deposit HK$6.64M · loan HK$6.64M · min. income ≈ HK$71,022/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,341
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,471
−HK$1,148/mo
Today · 4.125%
HK$38,619
baseline
▲ 0.50% · 4.625%
HK$40,969
+HK$2,350/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$77,238/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,428
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,513
−HK$1,100/mo
Today · 4.125%
HK$42,613
baseline
▲ 0.50% · 4.625%
HK$44,859
+HK$2,246/mo
Deposit HK$5.31M · loan HK$7.97M · min. income ≈ HK$85,226/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,397
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$43,716
−HK$1,340/mo
Today · 4.125%
HK$45,056
baseline
▲ 0.50% · 4.625%
HK$47,798
+HK$2,742/mo
Deposit HK$3.98M · loan HK$9.30M · min. income ≈ HK$90,112/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,167
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,432
−HK$1,283/mo
Today · 4.125%
HK$49,715
baseline
▲ 0.50% · 4.625%
HK$52,335
+HK$2,620/mo
Deposit HK$3.98M · loan HK$9.30M · min. income ≈ HK$99,430/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$498,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,511
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,206
−HK$1,723/mo
Today · 4.125%
HK$57,929
baseline
▲ 0.50% · 4.625%
HK$61,454
+HK$3,525/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$115,858/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,643
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,269
−HK$1,650/mo
Today · 4.125%
HK$63,919
baseline
▲ 0.50% · 4.625%
HK$67,288
+HK$3,369/mo
Deposit HK$1.33M · loan HK$11.95M · min. income ≈ HK$127,838/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,033 · Scale 2, in force from 26 Feb 2026)