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$30,336
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,279
−HK$959/mo
Today · 4.125%
HK$32,238
baseline
▲ 0.50% · 4.625%
HK$34,200
+HK$1,962/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,476/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,748
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,653
−HK$918/mo
Today · 4.125%
HK$35,571
baseline
▲ 0.50% · 4.625%
HK$37,446
+HK$1,875/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,142/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,403
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,535
−HK$1,151/mo
Today · 4.125%
HK$38,686
baseline
▲ 0.50% · 4.625%
HK$41,039
+HK$2,353/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,372/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,498
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,584
−HK$1,102/mo
Today · 4.125%
HK$42,686
baseline
▲ 0.50% · 4.625%
HK$44,936
+HK$2,250/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,372/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,470
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,791
−HK$1,342/mo
Today · 4.125%
HK$45,133
baseline
▲ 0.50% · 4.625%
HK$47,879
+HK$2,746/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,266/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,247
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,514
−HK$1,286/mo
Today · 4.125%
HK$49,800
baseline
▲ 0.50% · 4.625%
HK$52,425
+HK$2,625/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,600/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,604
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,303
−HK$1,725/mo
Today · 4.125%
HK$58,028
baseline
▲ 0.50% · 4.625%
HK$61,559
+HK$3,531/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$116,056/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,747
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,376
−HK$1,652/mo
Today · 4.125%
HK$64,028
baseline
▲ 0.50% · 4.625%
HK$67,404
+HK$3,376/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$128,056/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,885 · Scale 2, in force from 26 Feb 2026)