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$30,363
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,307
−HK$960/mo
Today · 4.125%
HK$32,267
baseline
▲ 0.50% · 4.625%
HK$34,230
+HK$1,963/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,534/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,779
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,684
−HK$919/mo
Today · 4.125%
HK$35,603
baseline
▲ 0.50% · 4.625%
HK$37,480
+HK$1,877/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,206/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,436
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,569
−HK$1,151/mo
Today · 4.125%
HK$38,720
baseline
▲ 0.50% · 4.625%
HK$41,076
+HK$2,356/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,440/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,534
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,621
−HK$1,103/mo
Today · 4.125%
HK$42,724
baseline
▲ 0.50% · 4.625%
HK$44,976
+HK$2,252/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,448/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,508
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$43,830
−HK$1,344/mo
Today · 4.125%
HK$45,174
baseline
▲ 0.50% · 4.625%
HK$47,923
+HK$2,749/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$90,348/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,290
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,558
−HK$1,287/mo
Today · 4.125%
HK$49,845
baseline
▲ 0.50% · 4.625%
HK$52,472
+HK$2,627/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$99,690/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,653
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,353
−HK$1,728/mo
Today · 4.125%
HK$58,081
baseline
▲ 0.50% · 4.625%
HK$61,615
+HK$3,534/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,162/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,801
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,432
−HK$1,654/mo
Today · 4.125%
HK$64,086
baseline
▲ 0.50% · 4.625%
HK$67,464
+HK$3,378/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,172/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,335 · Scale 2, in force from 26 Feb 2026)