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$30,355
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,299
−HK$959/mo
Today · 4.125%
HK$32,258
baseline
▲ 0.50% · 4.625%
HK$34,221
+HK$1,963/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,516/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,769
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,675
−HK$919/mo
Today · 4.125%
HK$35,594
baseline
▲ 0.50% · 4.625%
HK$37,470
+HK$1,876/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,188/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,425
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,559
−HK$1,151/mo
Today · 4.125%
HK$38,710
baseline
▲ 0.50% · 4.625%
HK$41,065
+HK$2,355/mo
Deposit HK$5.32M · loan HK$7.99M · min. income ≈ HK$77,420/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,523
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,610
−HK$1,102/mo
Today · 4.125%
HK$42,712
baseline
▲ 0.50% · 4.625%
HK$44,964
+HK$2,252/mo
Deposit HK$5.32M · loan HK$7.99M · min. income ≈ HK$85,424/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,496
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,818
−HK$1,343/mo
Today · 4.125%
HK$45,161
baseline
▲ 0.50% · 4.625%
HK$47,909
+HK$2,748/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$90,322/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,277
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,545
−HK$1,286/mo
Today · 4.125%
HK$49,831
baseline
▲ 0.50% · 4.625%
HK$52,458
+HK$2,627/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$99,662/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,638
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,338
−HK$1,727/mo
Today · 4.125%
HK$58,065
baseline
▲ 0.50% · 4.625%
HK$61,598
+HK$3,533/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,130/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,784
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,415
−HK$1,653/mo
Today · 4.125%
HK$64,068
baseline
▲ 0.50% · 4.625%
HK$67,446
+HK$3,378/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,136/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,197 · Scale 2, in force from 26 Feb 2026)