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$30,318
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,261
−HK$959/mo
Today · 4.125%
HK$32,220
baseline
▲ 0.50% · 4.625%
HK$34,180
+HK$1,960/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,440/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,729
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,634
−HK$917/mo
Today · 4.125%
HK$35,551
baseline
▲ 0.50% · 4.625%
HK$37,425
+HK$1,874/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,102/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,382
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,514
−HK$1,150/mo
Today · 4.125%
HK$38,664
baseline
▲ 0.50% · 4.625%
HK$41,016
+HK$2,352/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,328/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,475
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,560
−HK$1,101/mo
Today · 4.125%
HK$42,661
baseline
▲ 0.50% · 4.625%
HK$44,910
+HK$2,249/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,322/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,446
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,766
−HK$1,341/mo
Today · 4.125%
HK$45,107
baseline
▲ 0.50% · 4.625%
HK$47,852
+HK$2,745/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,214/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,220
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,487
−HK$1,285/mo
Today · 4.125%
HK$49,772
baseline
▲ 0.50% · 4.625%
HK$52,395
+HK$2,623/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,544/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,573
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,271
−HK$1,724/mo
Today · 4.125%
HK$57,995
baseline
▲ 0.50% · 4.625%
HK$61,524
+HK$3,529/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$115,990/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,712
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,340
−HK$1,652/mo
Today · 4.125%
HK$63,992
baseline
▲ 0.50% · 4.625%
HK$67,365
+HK$3,373/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$127,984/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,602 · Scale 2, in force from 26 Feb 2026)