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$30,353
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,298
−HK$959/mo
Today · 4.125%
HK$32,257
baseline
▲ 0.50% · 4.625%
HK$34,220
+HK$1,963/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,514/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,768
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,673
−HK$919/mo
Today · 4.125%
HK$35,592
baseline
▲ 0.50% · 4.625%
HK$37,468
+HK$1,876/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,184/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,424
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,557
−HK$1,151/mo
Today · 4.125%
HK$38,708
baseline
▲ 0.50% · 4.625%
HK$41,063
+HK$2,355/mo
Deposit HK$5.32M · loan HK$7.99M · min. income ≈ HK$77,416/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,521
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,608
−HK$1,103/mo
Today · 4.125%
HK$42,711
baseline
▲ 0.50% · 4.625%
HK$44,962
+HK$2,251/mo
Deposit HK$5.32M · loan HK$7.99M · min. income ≈ HK$85,422/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,495
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,817
−HK$1,342/mo
Today · 4.125%
HK$45,159
baseline
▲ 0.50% · 4.625%
HK$47,907
+HK$2,748/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$90,318/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,275
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,543
−HK$1,286/mo
Today · 4.125%
HK$49,829
baseline
▲ 0.50% · 4.625%
HK$52,456
+HK$2,627/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$99,658/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,636
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,336
−HK$1,726/mo
Today · 4.125%
HK$58,062
baseline
▲ 0.50% · 4.625%
HK$61,595
+HK$3,533/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,124/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,782
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,412
−HK$1,654/mo
Today · 4.125%
HK$64,066
baseline
▲ 0.50% · 4.625%
HK$67,443
+HK$3,377/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,132/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,177 · Scale 2, in force from 26 Feb 2026)