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$30,361
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,306
−HK$959/mo
Today · 4.125%
HK$32,265
baseline
▲ 0.50% · 4.625%
HK$34,229
+HK$1,964/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,530/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,777
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,683
−HK$919/mo
Today · 4.125%
HK$35,602
baseline
▲ 0.50% · 4.625%
HK$37,478
+HK$1,876/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,204/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,434
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,567
−HK$1,151/mo
Today · 4.125%
HK$38,718
baseline
▲ 0.50% · 4.625%
HK$41,074
+HK$2,356/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,436/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,532
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,619
−HK$1,103/mo
Today · 4.125%
HK$42,722
baseline
▲ 0.50% · 4.625%
HK$44,974
+HK$2,252/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,444/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,506
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,828
−HK$1,343/mo
Today · 4.125%
HK$45,171
baseline
▲ 0.50% · 4.625%
HK$47,920
+HK$2,749/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$90,342/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,287
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,556
−HK$1,286/mo
Today · 4.125%
HK$49,842
baseline
▲ 0.50% · 4.625%
HK$52,469
+HK$2,627/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$99,684/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,651
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,350
−HK$1,728/mo
Today · 4.125%
HK$58,078
baseline
▲ 0.50% · 4.625%
HK$61,611
+HK$3,533/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,156/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,798
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,429
−HK$1,654/mo
Today · 4.125%
HK$64,083
baseline
▲ 0.50% · 4.625%
HK$67,461
+HK$3,378/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,166/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,309 · Scale 2, in force from 26 Feb 2026)