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$30,344
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,288
−HK$959/mo
Today · 4.125%
HK$32,247
baseline
▲ 0.50% · 4.625%
HK$34,209
+HK$1,962/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,494/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,757
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,662
−HK$919/mo
Today · 4.125%
HK$35,581
baseline
▲ 0.50% · 4.625%
HK$37,456
+HK$1,875/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,162/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,413
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,545
−HK$1,151/mo
Today · 4.125%
HK$38,696
baseline
▲ 0.50% · 4.625%
HK$41,050
+HK$2,354/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,392/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,509
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,595
−HK$1,102/mo
Today · 4.125%
HK$42,697
baseline
▲ 0.50% · 4.625%
HK$44,948
+HK$2,251/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,394/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,481
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,803
−HK$1,342/mo
Today · 4.125%
HK$45,145
baseline
▲ 0.50% · 4.625%
HK$47,892
+HK$2,747/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$90,290/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,260
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,527
−HK$1,286/mo
Today · 4.125%
HK$49,813
baseline
▲ 0.50% · 4.625%
HK$52,439
+HK$2,626/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$99,626/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,619
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,318
−HK$1,726/mo
Today · 4.125%
HK$58,044
baseline
▲ 0.50% · 4.625%
HK$61,576
+HK$3,532/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,088/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,763
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,392
−HK$1,654/mo
Today · 4.125%
HK$64,046
baseline
▲ 0.50% · 4.625%
HK$67,422
+HK$3,376/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,092/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,019 · Scale 2, in force from 26 Feb 2026)