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$30,329
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,273
−HK$958/mo
Today · 4.125%
HK$32,231
baseline
▲ 0.50% · 4.625%
HK$34,192
+HK$1,961/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,462/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,741
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,646
−HK$918/mo
Today · 4.125%
HK$35,564
baseline
▲ 0.50% · 4.625%
HK$37,439
+HK$1,875/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,128/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,395
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,527
−HK$1,151/mo
Today · 4.125%
HK$38,678
baseline
▲ 0.50% · 4.625%
HK$41,031
+HK$2,353/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,356/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,489
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,575
−HK$1,102/mo
Today · 4.125%
HK$42,677
baseline
▲ 0.50% · 4.625%
HK$44,926
+HK$2,249/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,354/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,461
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,782
−HK$1,342/mo
Today · 4.125%
HK$45,124
baseline
▲ 0.50% · 4.625%
HK$47,869
+HK$2,745/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,248/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,238
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,504
−HK$1,286/mo
Today · 4.125%
HK$49,790
baseline
▲ 0.50% · 4.625%
HK$52,414
+HK$2,624/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,580/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,593
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,291
−HK$1,725/mo
Today · 4.125%
HK$58,016
baseline
▲ 0.50% · 4.625%
HK$61,546
+HK$3,530/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$116,032/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,734
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,363
−HK$1,652/mo
Today · 4.125%
HK$64,015
baseline
▲ 0.50% · 4.625%
HK$67,390
+HK$3,375/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$128,030/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,783 · Scale 2, in force from 26 Feb 2026)