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$30,349
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,293
−HK$960/mo
Today · 4.125%
HK$32,253
baseline
▲ 0.50% · 4.625%
HK$34,215
+HK$1,962/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,506/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,763
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,669
−HK$919/mo
Today · 4.125%
HK$35,588
baseline
▲ 0.50% · 4.625%
HK$37,463
+HK$1,875/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,176/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,419
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,552
−HK$1,151/mo
Today · 4.125%
HK$38,703
baseline
▲ 0.50% · 4.625%
HK$41,058
+HK$2,355/mo
Deposit HK$5.32M · loan HK$7.99M · min. income ≈ HK$77,406/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,516
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,603
−HK$1,102/mo
Today · 4.125%
HK$42,705
baseline
▲ 0.50% · 4.625%
HK$44,956
+HK$2,251/mo
Deposit HK$5.32M · loan HK$7.99M · min. income ≈ HK$85,410/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,489
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,811
−HK$1,343/mo
Today · 4.125%
HK$45,154
baseline
▲ 0.50% · 4.625%
HK$47,901
+HK$2,747/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$90,308/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,269
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,537
−HK$1,286/mo
Today · 4.125%
HK$49,823
baseline
▲ 0.50% · 4.625%
HK$52,449
+HK$2,626/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$99,646/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,629
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,328
−HK$1,727/mo
Today · 4.125%
HK$58,055
baseline
▲ 0.50% · 4.625%
HK$61,587
+HK$3,532/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,110/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,774
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,404
−HK$1,654/mo
Today · 4.125%
HK$64,058
baseline
▲ 0.50% · 4.625%
HK$67,434
+HK$3,376/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,116/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,113 · Scale 2, in force from 26 Feb 2026)