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$30,346
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,289
−HK$959/mo
Today · 4.125%
HK$32,248
baseline
▲ 0.50% · 4.625%
HK$34,211
+HK$1,963/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,496/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,759
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,665
−HK$918/mo
Today · 4.125%
HK$35,583
baseline
▲ 0.50% · 4.625%
HK$37,459
+HK$1,876/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,166/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,415
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,547
−HK$1,151/mo
Today · 4.125%
HK$38,698
baseline
▲ 0.50% · 4.625%
HK$41,053
+HK$2,355/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,396/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,511
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,597
−HK$1,103/mo
Today · 4.125%
HK$42,700
baseline
▲ 0.50% · 4.625%
HK$44,950
+HK$2,250/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,400/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,484
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,805
−HK$1,343/mo
Today · 4.125%
HK$45,148
baseline
▲ 0.50% · 4.625%
HK$47,895
+HK$2,747/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$90,296/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,263
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,530
−HK$1,286/mo
Today · 4.125%
HK$49,816
baseline
▲ 0.50% · 4.625%
HK$52,442
+HK$2,626/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$99,632/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,622
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,321
−HK$1,726/mo
Today · 4.125%
HK$58,047
baseline
▲ 0.50% · 4.625%
HK$61,579
+HK$3,532/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,094/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,766
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,396
−HK$1,653/mo
Today · 4.125%
HK$64,049
baseline
▲ 0.50% · 4.625%
HK$67,426
+HK$3,377/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,098/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,049 · Scale 2, in force from 26 Feb 2026)