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$30,333
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,276
−HK$959/mo
Today · 4.125%
HK$32,235
baseline
▲ 0.50% · 4.625%
HK$34,196
+HK$1,961/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,470/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,745
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,650
−HK$918/mo
Today · 4.125%
HK$35,568
baseline
▲ 0.50% · 4.625%
HK$37,443
+HK$1,875/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,136/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,399
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,531
−HK$1,151/mo
Today · 4.125%
HK$38,682
baseline
▲ 0.50% · 4.625%
HK$41,035
+HK$2,353/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,364/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,494
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,580
−HK$1,101/mo
Today · 4.125%
HK$42,681
baseline
▲ 0.50% · 4.625%
HK$44,931
+HK$2,250/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,362/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,466
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,786
−HK$1,343/mo
Today · 4.125%
HK$45,129
baseline
▲ 0.50% · 4.625%
HK$47,874
+HK$2,745/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,258/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,242
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,510
−HK$1,285/mo
Today · 4.125%
HK$49,795
baseline
▲ 0.50% · 4.625%
HK$52,420
+HK$2,625/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,590/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,599
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,297
−HK$1,725/mo
Today · 4.125%
HK$58,022
baseline
▲ 0.50% · 4.625%
HK$61,553
+HK$3,531/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$116,044/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,740
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,369
−HK$1,653/mo
Today · 4.125%
HK$64,022
baseline
▲ 0.50% · 4.625%
HK$67,397
+HK$3,375/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$128,044/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,835 · Scale 2, in force from 26 Feb 2026)