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$30,357
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,301
−HK$960/mo
Today · 4.125%
HK$32,261
baseline
▲ 0.50% · 4.625%
HK$34,224
+HK$1,963/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,522/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,772
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,678
−HK$918/mo
Today · 4.125%
HK$35,596
baseline
▲ 0.50% · 4.625%
HK$37,473
+HK$1,877/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,192/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,428
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,561
−HK$1,152/mo
Today · 4.125%
HK$38,713
baseline
▲ 0.50% · 4.625%
HK$41,068
+HK$2,355/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,426/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,526
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,613
−HK$1,103/mo
Today · 4.125%
HK$42,716
baseline
▲ 0.50% · 4.625%
HK$44,967
+HK$2,251/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,432/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,500
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,822
−HK$1,343/mo
Today · 4.125%
HK$45,165
baseline
▲ 0.50% · 4.625%
HK$47,913
+HK$2,748/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$90,330/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,281
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,549
−HK$1,286/mo
Today · 4.125%
HK$49,835
baseline
▲ 0.50% · 4.625%
HK$52,462
+HK$2,627/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$99,670/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,642
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,342
−HK$1,727/mo
Today · 4.125%
HK$58,069
baseline
▲ 0.50% · 4.625%
HK$61,602
+HK$3,533/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,138/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,789
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,420
−HK$1,653/mo
Today · 4.125%
HK$64,073
baseline
▲ 0.50% · 4.625%
HK$67,451
+HK$3,378/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,146/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,236 · Scale 2, in force from 26 Feb 2026)