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$30,330
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,274
−HK$958/mo
Today · 4.125%
HK$32,232
baseline
▲ 0.50% · 4.625%
HK$34,193
+HK$1,961/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,464/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,742
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,647
−HK$918/mo
Today · 4.125%
HK$35,565
baseline
▲ 0.50% · 4.625%
HK$37,440
+HK$1,875/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,130/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,396
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,528
−HK$1,151/mo
Today · 4.125%
HK$38,679
baseline
▲ 0.50% · 4.625%
HK$41,032
+HK$2,353/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,358/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,490
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,576
−HK$1,102/mo
Today · 4.125%
HK$42,678
baseline
▲ 0.50% · 4.625%
HK$44,928
+HK$2,250/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,356/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,462
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,783
−HK$1,342/mo
Today · 4.125%
HK$45,125
baseline
▲ 0.50% · 4.625%
HK$47,871
+HK$2,746/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,250/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,239
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,506
−HK$1,285/mo
Today · 4.125%
HK$49,791
baseline
▲ 0.50% · 4.625%
HK$52,416
+HK$2,625/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,582/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,594
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,293
−HK$1,725/mo
Today · 4.125%
HK$58,018
baseline
▲ 0.50% · 4.625%
HK$61,548
+HK$3,530/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$116,036/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,736
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,365
−HK$1,652/mo
Today · 4.125%
HK$64,017
baseline
▲ 0.50% · 4.625%
HK$67,392
+HK$3,375/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$128,034/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,797 · Scale 2, in force from 26 Feb 2026)