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$30,365
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,310
−HK$960/mo
Today · 4.125%
HK$32,270
baseline
▲ 0.50% · 4.625%
HK$34,233
+HK$1,963/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,540/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,781
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,687
−HK$919/mo
Today · 4.125%
HK$35,606
baseline
▲ 0.50% · 4.625%
HK$37,483
+HK$1,877/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,212/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,438
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,572
−HK$1,151/mo
Today · 4.125%
HK$38,723
baseline
▲ 0.50% · 4.625%
HK$41,080
+HK$2,357/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,446/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,537
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,625
−HK$1,103/mo
Today · 4.125%
HK$42,728
baseline
▲ 0.50% · 4.625%
HK$44,980
+HK$2,252/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,456/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,512
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,834
−HK$1,343/mo
Today · 4.125%
HK$45,177
baseline
▲ 0.50% · 4.625%
HK$47,926
+HK$2,749/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$90,354/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,294
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,562
−HK$1,287/mo
Today · 4.125%
HK$49,849
baseline
▲ 0.50% · 4.625%
HK$52,476
+HK$2,627/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$99,698/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,658
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,358
−HK$1,727/mo
Today · 4.125%
HK$58,085
baseline
▲ 0.50% · 4.625%
HK$61,620
+HK$3,535/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,170/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,806
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,437
−HK$1,654/mo
Today · 4.125%
HK$64,091
baseline
▲ 0.50% · 4.625%
HK$67,470
+HK$3,379/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,182/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,375 · Scale 2, in force from 26 Feb 2026)