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$30,358
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,303
−HK$959/mo
Today · 4.125%
HK$32,262
baseline
▲ 0.50% · 4.625%
HK$34,225
+HK$1,963/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,524/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,773
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,679
−HK$919/mo
Today · 4.125%
HK$35,598
baseline
▲ 0.50% · 4.625%
HK$37,475
+HK$1,877/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,196/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,430
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,563
−HK$1,152/mo
Today · 4.125%
HK$38,715
baseline
▲ 0.50% · 4.625%
HK$41,070
+HK$2,355/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,430/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,528
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,615
−HK$1,103/mo
Today · 4.125%
HK$42,718
baseline
▲ 0.50% · 4.625%
HK$44,969
+HK$2,251/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,436/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,502
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,824
−HK$1,343/mo
Today · 4.125%
HK$45,167
baseline
▲ 0.50% · 4.625%
HK$47,915
+HK$2,748/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$90,334/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,283
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,551
−HK$1,286/mo
Today · 4.125%
HK$49,837
baseline
▲ 0.50% · 4.625%
HK$52,464
+HK$2,627/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$99,674/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,645
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,345
−HK$1,727/mo
Today · 4.125%
HK$58,072
baseline
▲ 0.50% · 4.625%
HK$61,605
+HK$3,533/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,144/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,792
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,423
−HK$1,654/mo
Today · 4.125%
HK$64,077
baseline
▲ 0.50% · 4.625%
HK$67,454
+HK$3,377/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,154/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,260 · Scale 2, in force from 26 Feb 2026)