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$30,316
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,259
−HK$958/mo
Today · 4.125%
HK$32,217
baseline
▲ 0.50% · 4.625%
HK$34,177
+HK$1,960/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,434/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,726
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,631
−HK$917/mo
Today · 4.125%
HK$35,548
baseline
▲ 0.50% · 4.625%
HK$37,422
+HK$1,874/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,096/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,379
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,511
−HK$1,149/mo
Today · 4.125%
HK$38,660
baseline
▲ 0.50% · 4.625%
HK$41,013
+HK$2,353/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,320/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,471
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,557
−HK$1,101/mo
Today · 4.125%
HK$42,658
baseline
▲ 0.50% · 4.625%
HK$44,906
+HK$2,248/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,316/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,442
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,762
−HK$1,342/mo
Today · 4.125%
HK$45,104
baseline
▲ 0.50% · 4.625%
HK$47,848
+HK$2,744/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,208/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,217
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,483
−HK$1,284/mo
Today · 4.125%
HK$49,767
baseline
▲ 0.50% · 4.625%
HK$52,391
+HK$2,624/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,534/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,569
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,266
−HK$1,724/mo
Today · 4.125%
HK$57,990
baseline
▲ 0.50% · 4.625%
HK$61,519
+HK$3,529/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$115,980/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,707
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,335
−HK$1,652/mo
Today · 4.125%
HK$63,987
baseline
▲ 0.50% · 4.625%
HK$67,360
+HK$3,373/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$127,974/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,560 · Scale 2, in force from 26 Feb 2026)