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$1,902/mo
▼ 0.25% · 3.875%
HK$31,277
−HK$958/mo
Today · 4.125%
HK$32,235
baseline
▲ 0.50% · 4.625%
HK$34,197
+HK$1,962/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,470/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,745
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,650
−HK$918/mo
Today · 4.125%
HK$35,568
baseline
▲ 0.50% · 4.625%
HK$37,443
+HK$1,875/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,136/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,400
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,532
−HK$1,150/mo
Today · 4.125%
HK$38,682
baseline
▲ 0.50% · 4.625%
HK$41,036
+HK$2,354/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,364/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,494
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,580
−HK$1,102/mo
Today · 4.125%
HK$42,682
baseline
▲ 0.50% · 4.625%
HK$44,932
+HK$2,250/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,364/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,466
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,787
−HK$1,342/mo
Today · 4.125%
HK$45,129
baseline
▲ 0.50% · 4.625%
HK$47,875
+HK$2,746/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,258/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,243
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,510
−HK$1,286/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$498,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,600
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,298
−HK$1,725/mo
Today · 4.125%
HK$58,023
baseline
▲ 0.50% · 4.625%
HK$61,554
+HK$3,531/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$116,046/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,741
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,371
−HK$1,652/mo
Today · 4.125%
HK$64,023
baseline
▲ 0.50% · 4.625%
HK$67,398
+HK$3,375/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$128,046/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,844 · Scale 2, in force from 26 Feb 2026)