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$30,311
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,254
−HK$958/mo
Today · 4.125%
HK$32,212
baseline
▲ 0.50% · 4.625%
HK$34,172
+HK$1,960/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,424/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,720
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,625
−HK$917/mo
Today · 4.125%
HK$35,542
baseline
▲ 0.50% · 4.625%
HK$37,416
+HK$1,874/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,084/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,373
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,504
−HK$1,150/mo
Today · 4.125%
HK$38,654
baseline
▲ 0.50% · 4.625%
HK$41,006
+HK$2,352/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,308/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,465
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,550
−HK$1,101/mo
Today · 4.125%
HK$42,651
baseline
▲ 0.50% · 4.625%
HK$44,899
+HK$2,248/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,302/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,435
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,755
−HK$1,341/mo
Today · 4.125%
HK$45,096
baseline
▲ 0.50% · 4.625%
HK$47,840
+HK$2,744/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$90,192/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,209
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,475
−HK$1,284/mo
Today · 4.125%
HK$49,759
baseline
▲ 0.50% · 4.625%
HK$52,382
+HK$2,623/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$99,518/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,559
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,256
−HK$1,725/mo
Today · 4.125%
HK$57,981
baseline
▲ 0.50% · 4.625%
HK$61,509
+HK$3,528/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$115,962/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,697
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,325
−HK$1,651/mo
Today · 4.125%
HK$63,976
baseline
▲ 0.50% · 4.625%
HK$67,348
+HK$3,372/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$127,952/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,477 · Scale 2, in force from 26 Feb 2026)