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$30,305
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,248
−HK$958/mo
Today · 4.125%
HK$32,206
baseline
▲ 0.50% · 4.625%
HK$34,166
+HK$1,960/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,412/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,715
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,619
−HK$917/mo
Today · 4.125%
HK$35,536
baseline
▲ 0.50% · 4.625%
HK$37,409
+HK$1,873/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,072/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,367
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,498
−HK$1,149/mo
Today · 4.125%
HK$38,647
baseline
▲ 0.50% · 4.625%
HK$40,999
+HK$2,352/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$77,294/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,457
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,542
−HK$1,101/mo
Today · 4.125%
HK$42,643
baseline
▲ 0.50% · 4.625%
HK$44,891
+HK$2,248/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$85,286/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,428
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$43,747
−HK$1,341/mo
Today · 4.125%
HK$45,088
baseline
▲ 0.50% · 4.625%
HK$47,832
+HK$2,744/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$90,176/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,200
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$48,466
−HK$1,284/mo
Today · 4.125%
HK$49,750
baseline
▲ 0.50% · 4.625%
HK$52,373
+HK$2,623/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$99,500/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,550
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,247
−HK$1,724/mo
Today · 4.125%
HK$57,971
baseline
▲ 0.50% · 4.625%
HK$61,498
+HK$3,527/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$115,942/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,686
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,314
−HK$1,651/mo
Today · 4.125%
HK$63,965
baseline
▲ 0.50% · 4.625%
HK$67,336
+HK$3,371/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$127,930/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,389 · Scale 2, in force from 26 Feb 2026)