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$30,306
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,249
−HK$958/mo
Today · 4.125%
HK$32,207
baseline
▲ 0.50% · 4.625%
HK$34,166
+HK$1,959/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,414/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,715
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,620
−HK$917/mo
Today · 4.125%
HK$35,537
baseline
▲ 0.50% · 4.625%
HK$37,410
+HK$1,873/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,074/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,367
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,499
−HK$1,149/mo
Today · 4.125%
HK$38,648
baseline
▲ 0.50% · 4.625%
HK$41,000
+HK$2,352/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$77,296/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,458
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,544
−HK$1,100/mo
Today · 4.125%
HK$42,644
baseline
▲ 0.50% · 4.625%
HK$44,892
+HK$2,248/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$85,288/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,429
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,748
−HK$1,341/mo
Today · 4.125%
HK$45,089
baseline
▲ 0.50% · 4.625%
HK$47,833
+HK$2,744/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$90,178/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,201
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,467
−HK$1,285/mo
Today · 4.125%
HK$49,752
baseline
▲ 0.50% · 4.625%
HK$52,374
+HK$2,622/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$99,504/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,551
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,248
−HK$1,724/mo
Today · 4.125%
HK$57,972
baseline
▲ 0.50% · 4.625%
HK$61,499
+HK$3,527/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$115,944/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,688
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,315
−HK$1,651/mo
Today · 4.125%
HK$63,966
baseline
▲ 0.50% · 4.625%
HK$67,338
+HK$3,372/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$127,932/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,402 · Scale 2, in force from 26 Feb 2026)