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$30,340
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,284
−HK$959/mo
Today · 4.125%
HK$32,243
baseline
▲ 0.50% · 4.625%
HK$34,205
+HK$1,962/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,486/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,753
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,658
−HK$919/mo
Today · 4.125%
HK$35,577
baseline
▲ 0.50% · 4.625%
HK$37,452
+HK$1,875/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,154/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,408
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,541
−HK$1,150/mo
Today · 4.125%
HK$38,691
baseline
▲ 0.50% · 4.625%
HK$41,045
+HK$2,354/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,382/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,504
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,590
−HK$1,102/mo
Today · 4.125%
HK$42,692
baseline
▲ 0.50% · 4.625%
HK$44,942
+HK$2,250/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,384/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,476
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,797
−HK$1,343/mo
Today · 4.125%
HK$45,140
baseline
▲ 0.50% · 4.625%
HK$47,886
+HK$2,746/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,280/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,254
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,522
−HK$1,285/mo
Today · 4.125%
HK$49,807
baseline
▲ 0.50% · 4.625%
HK$52,433
+HK$2,626/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,614/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,612
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,311
−HK$1,726/mo
Today · 4.125%
HK$58,037
baseline
▲ 0.50% · 4.625%
HK$61,568
+HK$3,531/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$116,074/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,755
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,385
−HK$1,653/mo
Today · 4.125%
HK$64,038
baseline
▲ 0.50% · 4.625%
HK$67,413
+HK$3,375/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$128,076/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,959 · Scale 2, in force from 26 Feb 2026)