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$30,338
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,282
−HK$959/mo
Today · 4.125%
HK$32,241
baseline
▲ 0.50% · 4.625%
HK$34,203
+HK$1,962/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,482/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,751
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,656
−HK$919/mo
Today · 4.125%
HK$35,575
baseline
▲ 0.50% · 4.625%
HK$37,450
+HK$1,875/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,150/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,406
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,539
−HK$1,150/mo
Today · 4.125%
HK$38,689
baseline
▲ 0.50% · 4.625%
HK$41,043
+HK$2,354/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,378/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,501
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,588
−HK$1,102/mo
Today · 4.125%
HK$42,690
baseline
▲ 0.50% · 4.625%
HK$44,940
+HK$2,250/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,380/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,474
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,795
−HK$1,342/mo
Today · 4.125%
HK$45,137
baseline
▲ 0.50% · 4.625%
HK$47,884
+HK$2,747/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,274/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,252
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,519
−HK$1,285/mo
Today · 4.125%
HK$49,804
baseline
▲ 0.50% · 4.625%
HK$52,430
+HK$2,626/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,608/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,609
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,308
−HK$1,726/mo
Today · 4.125%
HK$58,034
baseline
▲ 0.50% · 4.625%
HK$61,565
+HK$3,531/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$116,068/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,752
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,381
−HK$1,653/mo
Today · 4.125%
HK$64,034
baseline
▲ 0.50% · 4.625%
HK$67,410
+HK$3,376/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$128,068/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,931 · Scale 2, in force from 26 Feb 2026)