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$30,307
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,250
−HK$958/mo
Today · 4.125%
HK$32,208
baseline
▲ 0.50% · 4.625%
HK$34,168
+HK$1,960/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,416/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,717
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,621
−HK$917/mo
Today · 4.125%
HK$35,538
baseline
▲ 0.50% · 4.625%
HK$37,412
+HK$1,874/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,076/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,369
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,500
−HK$1,150/mo
Today · 4.125%
HK$38,650
baseline
▲ 0.50% · 4.625%
HK$41,001
+HK$2,351/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$77,300/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,460
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,545
−HK$1,101/mo
Today · 4.125%
HK$42,646
baseline
▲ 0.50% · 4.625%
HK$44,894
+HK$2,248/mo
Deposit HK$5.32M · loan HK$7.97M · min. income ≈ HK$85,292/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$498,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,430
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,750
−HK$1,341/mo
Today · 4.125%
HK$45,091
baseline
▲ 0.50% · 4.625%
HK$47,835
+HK$2,744/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$90,182/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,203
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,469
−HK$1,285/mo
Today · 4.125%
HK$49,754
baseline
▲ 0.50% · 4.625%
HK$52,376
+HK$2,622/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$99,508/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,553
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,250
−HK$1,724/mo
Today · 4.125%
HK$57,974
baseline
▲ 0.50% · 4.625%
HK$61,502
+HK$3,528/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$115,948/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,690
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,318
−HK$1,651/mo
Today · 4.125%
HK$63,969
baseline
▲ 0.50% · 4.625%
HK$67,341
+HK$3,372/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$127,938/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,422 · Scale 2, in force from 26 Feb 2026)