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$30,337
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,281
−HK$958/mo
Today · 4.125%
HK$32,239
baseline
▲ 0.50% · 4.625%
HK$34,201
+HK$1,962/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,478/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,750
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,655
−HK$918/mo
Today · 4.125%
HK$35,573
baseline
▲ 0.50% · 4.625%
HK$37,448
+HK$1,875/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,146/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,404
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,537
−HK$1,150/mo
Today · 4.125%
HK$38,687
baseline
▲ 0.50% · 4.625%
HK$41,041
+HK$2,354/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,374/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,500
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,586
−HK$1,102/mo
Today · 4.125%
HK$42,688
baseline
▲ 0.50% · 4.625%
HK$44,938
+HK$2,250/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,376/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,472
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,793
−HK$1,342/mo
Today · 4.125%
HK$45,135
baseline
▲ 0.50% · 4.625%
HK$47,882
+HK$2,747/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,270/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,250
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,517
−HK$1,285/mo
Today · 4.125%
HK$49,802
baseline
▲ 0.50% · 4.625%
HK$52,427
+HK$2,625/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,604/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,607
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,305
−HK$1,726/mo
Today · 4.125%
HK$58,031
baseline
▲ 0.50% · 4.625%
HK$61,562
+HK$3,531/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$116,062/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,749
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,379
−HK$1,653/mo
Today · 4.125%
HK$64,032
baseline
▲ 0.50% · 4.625%
HK$67,407
+HK$3,375/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$128,064/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,909 · Scale 2, in force from 26 Feb 2026)