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$30,323
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,266
−HK$959/mo
Today · 4.125%
HK$32,225
baseline
▲ 0.50% · 4.625%
HK$34,185
+HK$1,960/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,450/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,734
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,639
−HK$918/mo
Today · 4.125%
HK$35,557
baseline
▲ 0.50% · 4.625%
HK$37,431
+HK$1,874/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,114/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,388
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,520
−HK$1,150/mo
Today · 4.125%
HK$38,670
baseline
▲ 0.50% · 4.625%
HK$41,022
+HK$2,352/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,340/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,481
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,567
−HK$1,101/mo
Today · 4.125%
HK$42,668
baseline
▲ 0.50% · 4.625%
HK$44,917
+HK$2,249/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,336/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,452
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,773
−HK$1,341/mo
Today · 4.125%
HK$45,114
baseline
▲ 0.50% · 4.625%
HK$47,860
+HK$2,746/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,228/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,228
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,494
−HK$1,285/mo
Today · 4.125%
HK$49,779
baseline
▲ 0.50% · 4.625%
HK$52,403
+HK$2,624/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,558/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,582
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,279
−HK$1,725/mo
Today · 4.125%
HK$58,004
baseline
▲ 0.50% · 4.625%
HK$61,534
+HK$3,530/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$116,008/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,721
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,350
−HK$1,652/mo
Today · 4.125%
HK$64,002
baseline
▲ 0.50% · 4.625%
HK$67,376
+HK$3,374/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$128,004/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,679 · Scale 2, in force from 26 Feb 2026)