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$30,339
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,283
−HK$959/mo
Today · 4.125%
HK$32,242
baseline
▲ 0.50% · 4.625%
HK$34,203
+HK$1,961/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,484/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,752
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,657
−HK$918/mo
Today · 4.125%
HK$35,575
baseline
▲ 0.50% · 4.625%
HK$37,451
+HK$1,876/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,150/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,407
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,539
−HK$1,151/mo
Today · 4.125%
HK$38,690
baseline
▲ 0.50% · 4.625%
HK$41,044
+HK$2,354/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,380/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,502
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,588
−HK$1,102/mo
Today · 4.125%
HK$42,690
baseline
▲ 0.50% · 4.625%
HK$44,941
+HK$2,251/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,380/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,475
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,796
−HK$1,342/mo
Today · 4.125%
HK$45,138
baseline
▲ 0.50% · 4.625%
HK$47,885
+HK$2,747/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,276/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,253
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,520
−HK$1,285/mo
Today · 4.125%
HK$49,805
baseline
▲ 0.50% · 4.625%
HK$52,431
+HK$2,626/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,610/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,610
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,309
−HK$1,726/mo
Today · 4.125%
HK$58,035
baseline
▲ 0.50% · 4.625%
HK$61,566
+HK$3,531/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$116,070/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,753
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,383
−HK$1,653/mo
Today · 4.125%
HK$64,036
baseline
▲ 0.50% · 4.625%
HK$67,411
+HK$3,375/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$128,072/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,941 · Scale 2, in force from 26 Feb 2026)