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$30,341
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,285
−HK$959/mo
Today · 4.125%
HK$32,244
baseline
▲ 0.50% · 4.625%
HK$34,206
+HK$1,962/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,488/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,754
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,659
−HK$919/mo
Today · 4.125%
HK$35,578
baseline
▲ 0.50% · 4.625%
HK$37,453
+HK$1,875/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,156/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,409
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,542
−HK$1,150/mo
Today · 4.125%
HK$38,692
baseline
▲ 0.50% · 4.625%
HK$41,047
+HK$2,355/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,384/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,505
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,591
−HK$1,102/mo
Today · 4.125%
HK$42,693
baseline
▲ 0.50% · 4.625%
HK$44,944
+HK$2,251/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,386/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,477
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,799
−HK$1,342/mo
Today · 4.125%
HK$45,141
baseline
▲ 0.50% · 4.625%
HK$47,888
+HK$2,747/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,282/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,256
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,523
−HK$1,286/mo
Today · 4.125%
HK$49,809
baseline
▲ 0.50% · 4.625%
HK$52,434
+HK$2,625/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,618/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,614
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,313
−HK$1,726/mo
Today · 4.125%
HK$58,039
baseline
▲ 0.50% · 4.625%
HK$61,570
+HK$3,531/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,078/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,757
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,387
−HK$1,653/mo
Today · 4.125%
HK$64,040
baseline
▲ 0.50% · 4.625%
HK$67,416
+HK$3,376/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,080/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,975 · Scale 2, in force from 26 Feb 2026)