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$30,309
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,251
−HK$958/mo
Today · 4.125%
HK$32,209
baseline
▲ 0.50% · 4.625%
HK$34,169
+HK$1,960/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,418/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,718
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,622
−HK$918/mo
Today · 4.125%
HK$35,540
baseline
▲ 0.50% · 4.625%
HK$37,413
+HK$1,873/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,080/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,370
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,502
−HK$1,149/mo
Today · 4.125%
HK$38,651
baseline
▲ 0.50% · 4.625%
HK$41,003
+HK$2,352/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,302/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,462
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,547
−HK$1,101/mo
Today · 4.125%
HK$42,648
baseline
▲ 0.50% · 4.625%
HK$44,896
+HK$2,248/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,296/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,432
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,752
−HK$1,341/mo
Today · 4.125%
HK$45,093
baseline
▲ 0.50% · 4.625%
HK$47,837
+HK$2,744/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$90,186/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,205
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,471
−HK$1,285/mo
Today · 4.125%
HK$49,756
baseline
▲ 0.50% · 4.625%
HK$52,378
+HK$2,622/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$99,512/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,555
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,252
−HK$1,725/mo
Today · 4.125%
HK$57,977
baseline
▲ 0.50% · 4.625%
HK$61,504
+HK$3,527/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$115,954/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,692
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,320
−HK$1,651/mo
Today · 4.125%
HK$63,971
baseline
▲ 0.50% · 4.625%
HK$67,343
+HK$3,372/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$127,942/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,441 · Scale 2, in force from 26 Feb 2026)