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$30,324
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,267
−HK$959/mo
Today · 4.125%
HK$32,226
baseline
▲ 0.50% · 4.625%
HK$34,186
+HK$1,960/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,452/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,735
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,640
−HK$918/mo
Today · 4.125%
HK$35,558
baseline
▲ 0.50% · 4.625%
HK$37,432
+HK$1,874/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,116/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,389
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,521
−HK$1,150/mo
Today · 4.125%
HK$38,671
baseline
▲ 0.50% · 4.625%
HK$41,024
+HK$2,353/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,342/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,482
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,568
−HK$1,101/mo
Today · 4.125%
HK$42,669
baseline
▲ 0.50% · 4.625%
HK$44,919
+HK$2,250/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,338/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,454
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,774
−HK$1,342/mo
Today · 4.125%
HK$45,116
baseline
▲ 0.50% · 4.625%
HK$47,861
+HK$2,745/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,232/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,229
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,496
−HK$1,285/mo
Today · 4.125%
HK$49,781
baseline
▲ 0.50% · 4.625%
HK$52,405
+HK$2,624/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,562/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,583
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,281
−HK$1,725/mo
Today · 4.125%
HK$58,006
baseline
▲ 0.50% · 4.625%
HK$61,536
+HK$3,530/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$116,012/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,723
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,352
−HK$1,652/mo
Today · 4.125%
HK$64,004
baseline
▲ 0.50% · 4.625%
HK$67,378
+HK$3,374/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$128,008/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,695 · Scale 2, in force from 26 Feb 2026)