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$30,333
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,277
−HK$959/mo
Today · 4.125%
HK$32,236
baseline
▲ 0.50% · 4.625%
HK$34,197
+HK$1,961/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,472/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,746
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,651
−HK$918/mo
Today · 4.125%
HK$35,569
baseline
▲ 0.50% · 4.625%
HK$37,444
+HK$1,875/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,138/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,400
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,532
−HK$1,151/mo
Today · 4.125%
HK$38,683
baseline
▲ 0.50% · 4.625%
HK$41,036
+HK$2,353/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,366/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,495
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,581
−HK$1,102/mo
Today · 4.125%
HK$42,683
baseline
▲ 0.50% · 4.625%
HK$44,932
+HK$2,249/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,366/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,467
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,788
−HK$1,342/mo
Today · 4.125%
HK$45,130
baseline
▲ 0.50% · 4.625%
HK$47,876
+HK$2,746/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,260/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,244
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,511
−HK$1,285/mo
Today · 4.125%
HK$49,796
baseline
▲ 0.50% · 4.625%
HK$52,421
+HK$2,625/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,592/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,600
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,299
−HK$1,725/mo
Today · 4.125%
HK$58,024
baseline
▲ 0.50% · 4.625%
HK$61,555
+HK$3,531/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$116,048/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,742
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,371
−HK$1,653/mo
Today · 4.125%
HK$64,024
baseline
▲ 0.50% · 4.625%
HK$67,399
+HK$3,375/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$128,048/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,849 · Scale 2, in force from 26 Feb 2026)