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$30,349
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,293
−HK$959/mo
Today · 4.125%
HK$32,252
baseline
▲ 0.50% · 4.625%
HK$34,215
+HK$1,963/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,504/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,763
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,669
−HK$918/mo
Today · 4.125%
HK$35,587
baseline
▲ 0.50% · 4.625%
HK$37,463
+HK$1,876/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,174/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,419
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,552
−HK$1,151/mo
Today · 4.125%
HK$38,703
baseline
▲ 0.50% · 4.625%
HK$41,058
+HK$2,355/mo
Deposit HK$5.32M · loan HK$7.99M · min. income ≈ HK$77,406/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,516
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,602
−HK$1,103/mo
Today · 4.125%
HK$42,705
baseline
▲ 0.50% · 4.625%
HK$44,956
+HK$2,251/mo
Deposit HK$5.32M · loan HK$7.99M · min. income ≈ HK$85,410/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,489
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,810
−HK$1,343/mo
Today · 4.125%
HK$45,153
baseline
▲ 0.50% · 4.625%
HK$47,901
+HK$2,748/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$90,306/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,268
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,536
−HK$1,286/mo
Today · 4.125%
HK$49,822
baseline
▲ 0.50% · 4.625%
HK$52,448
+HK$2,626/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$99,644/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,628
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,328
−HK$1,726/mo
Today · 4.125%
HK$58,054
baseline
▲ 0.50% · 4.625%
HK$61,587
+HK$3,533/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,108/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,774
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,404
−HK$1,653/mo
Today · 4.125%
HK$64,057
baseline
▲ 0.50% · 4.625%
HK$67,434
+HK$3,377/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,114/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,108 · Scale 2, in force from 26 Feb 2026)