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$30,336
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,280
−HK$958/mo
Today · 4.125%
HK$32,238
baseline
▲ 0.50% · 4.625%
HK$34,200
+HK$1,962/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,476/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,749
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,654
−HK$918/mo
Today · 4.125%
HK$35,572
baseline
▲ 0.50% · 4.625%
HK$37,447
+HK$1,875/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,144/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,403
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,536
−HK$1,150/mo
Today · 4.125%
HK$38,686
baseline
▲ 0.50% · 4.625%
HK$41,040
+HK$2,354/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,372/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,498
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,585
−HK$1,101/mo
Today · 4.125%
HK$42,686
baseline
▲ 0.50% · 4.625%
HK$44,936
+HK$2,250/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,372/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,471
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,792
−HK$1,342/mo
Today · 4.125%
HK$45,134
baseline
▲ 0.50% · 4.625%
HK$47,880
+HK$2,746/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,268/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,248
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,515
−HK$1,286/mo
Today · 4.125%
HK$49,801
baseline
▲ 0.50% · 4.625%
HK$52,426
+HK$2,625/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,602/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,605
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,304
−HK$1,725/mo
Today · 4.125%
HK$58,029
baseline
▲ 0.50% · 4.625%
HK$61,560
+HK$3,531/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$116,058/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,748
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,377
−HK$1,653/mo
Today · 4.125%
HK$64,030
baseline
▲ 0.50% · 4.625%
HK$67,405
+HK$3,375/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$128,060/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,894 · Scale 2, in force from 26 Feb 2026)