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$30,347
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,291
−HK$959/mo
Today · 4.125%
HK$32,250
baseline
▲ 0.50% · 4.625%
HK$34,212
+HK$1,962/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,500/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,760
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,666
−HK$918/mo
Today · 4.125%
HK$35,584
baseline
▲ 0.50% · 4.625%
HK$37,460
+HK$1,876/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,168/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,416
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,549
−HK$1,151/mo
Today · 4.125%
HK$38,700
baseline
▲ 0.50% · 4.625%
HK$41,054
+HK$2,354/mo
Deposit HK$5.32M · loan HK$7.99M · min. income ≈ HK$77,400/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,513
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,599
−HK$1,102/mo
Today · 4.125%
HK$42,701
baseline
▲ 0.50% · 4.625%
HK$44,952
+HK$2,251/mo
Deposit HK$5.32M · loan HK$7.99M · min. income ≈ HK$85,402/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,485
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,807
−HK$1,343/mo
Today · 4.125%
HK$45,150
baseline
▲ 0.50% · 4.625%
HK$47,897
+HK$2,747/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$90,300/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,265
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,532
−HK$1,286/mo
Today · 4.125%
HK$49,818
baseline
▲ 0.50% · 4.625%
HK$52,444
+HK$2,626/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$99,636/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,624
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,323
−HK$1,727/mo
Today · 4.125%
HK$58,050
baseline
▲ 0.50% · 4.625%
HK$61,582
+HK$3,532/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,100/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,769
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,399
−HK$1,653/mo
Today · 4.125%
HK$64,052
baseline
▲ 0.50% · 4.625%
HK$67,428
+HK$3,376/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,104/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,068 · Scale 2, in force from 26 Feb 2026)