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$30,318
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,261
−HK$958/mo
Today · 4.125%
HK$32,219
baseline
▲ 0.50% · 4.625%
HK$34,179
+HK$1,960/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,438/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,728
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,633
−HK$917/mo
Today · 4.125%
HK$35,550
baseline
▲ 0.50% · 4.625%
HK$37,424
+HK$1,874/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,100/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,381
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,513
−HK$1,150/mo
Today · 4.125%
HK$38,663
baseline
▲ 0.50% · 4.625%
HK$41,015
+HK$2,352/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,326/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,474
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,559
−HK$1,101/mo
Today · 4.125%
HK$42,660
baseline
▲ 0.50% · 4.625%
HK$44,909
+HK$2,249/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,320/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,445
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,765
−HK$1,341/mo
Today · 4.125%
HK$45,106
baseline
▲ 0.50% · 4.625%
HK$47,851
+HK$2,745/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,212/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,219
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,486
−HK$1,284/mo
Today · 4.125%
HK$49,770
baseline
▲ 0.50% · 4.625%
HK$52,394
+HK$2,624/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,540/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,572
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,269
−HK$1,725/mo
Today · 4.125%
HK$57,994
baseline
▲ 0.50% · 4.625%
HK$61,523
+HK$3,529/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$115,988/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,710
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,339
−HK$1,651/mo
Today · 4.125%
HK$63,990
baseline
▲ 0.50% · 4.625%
HK$67,364
+HK$3,374/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$127,980/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,590 · Scale 2, in force from 26 Feb 2026)