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$30,360
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,304
−HK$960/mo
Today · 4.125%
HK$32,264
baseline
▲ 0.50% · 4.625%
HK$34,227
+HK$1,963/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,528/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,775
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,681
−HK$919/mo
Today · 4.125%
HK$35,600
baseline
▲ 0.50% · 4.625%
HK$37,476
+HK$1,876/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,200/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,432
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,565
−HK$1,152/mo
Today · 4.125%
HK$38,717
baseline
▲ 0.50% · 4.625%
HK$41,072
+HK$2,355/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,434/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,530
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,617
−HK$1,103/mo
Today · 4.125%
HK$42,720
baseline
▲ 0.50% · 4.625%
HK$44,972
+HK$2,252/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,440/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,504
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,826
−HK$1,343/mo
Today · 4.125%
HK$45,169
baseline
▲ 0.50% · 4.625%
HK$47,918
+HK$2,749/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$90,338/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,285
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,553
−HK$1,287/mo
Today · 4.125%
HK$49,840
baseline
▲ 0.50% · 4.625%
HK$52,467
+HK$2,627/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$99,680/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,648
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,348
−HK$1,727/mo
Today · 4.125%
HK$58,075
baseline
▲ 0.50% · 4.625%
HK$61,609
+HK$3,534/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,150/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,795
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,426
−HK$1,654/mo
Today · 4.125%
HK$64,080
baseline
▲ 0.50% · 4.625%
HK$67,458
+HK$3,378/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,160/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,286 · Scale 2, in force from 26 Feb 2026)