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$30,317
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,260
−HK$958/mo
Today · 4.125%
HK$32,218
baseline
▲ 0.50% · 4.625%
HK$34,178
+HK$1,960/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,436/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,727
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,632
−HK$917/mo
Today · 4.125%
HK$35,549
baseline
▲ 0.50% · 4.625%
HK$37,423
+HK$1,874/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,098/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,380
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,512
−HK$1,149/mo
Today · 4.125%
HK$38,661
baseline
▲ 0.50% · 4.625%
HK$41,014
+HK$2,353/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,322/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,473
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,558
−HK$1,101/mo
Today · 4.125%
HK$42,659
baseline
▲ 0.50% · 4.625%
HK$44,908
+HK$2,249/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,318/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,443
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,764
−HK$1,341/mo
Today · 4.125%
HK$45,105
baseline
▲ 0.50% · 4.625%
HK$47,850
+HK$2,745/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,210/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,218
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,484
−HK$1,285/mo
Today · 4.125%
HK$49,769
baseline
▲ 0.50% · 4.625%
HK$52,392
+HK$2,623/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,538/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,570
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,268
−HK$1,724/mo
Today · 4.125%
HK$57,992
baseline
▲ 0.50% · 4.625%
HK$61,521
+HK$3,529/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$115,984/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,709
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,337
−HK$1,652/mo
Today · 4.125%
HK$63,989
baseline
▲ 0.50% · 4.625%
HK$67,362
+HK$3,373/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$127,978/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,575 · Scale 2, in force from 26 Feb 2026)