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$30,327
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,270
−HK$959/mo
Today · 4.125%
HK$32,229
baseline
▲ 0.50% · 4.625%
HK$34,190
+HK$1,961/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,458/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,739
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,643
−HK$918/mo
Today · 4.125%
HK$35,561
baseline
▲ 0.50% · 4.625%
HK$37,436
+HK$1,875/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,122/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,392
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,524
−HK$1,151/mo
Today · 4.125%
HK$38,675
baseline
▲ 0.50% · 4.625%
HK$41,028
+HK$2,353/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,350/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,486
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,572
−HK$1,102/mo
Today · 4.125%
HK$42,674
baseline
▲ 0.50% · 4.625%
HK$44,923
+HK$2,249/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,348/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,458
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,779
−HK$1,341/mo
Today · 4.125%
HK$45,120
baseline
▲ 0.50% · 4.625%
HK$47,866
+HK$2,746/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,240/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,234
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,501
−HK$1,285/mo
Today · 4.125%
HK$49,786
baseline
▲ 0.50% · 4.625%
HK$52,410
+HK$2,624/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,572/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,589
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,287
−HK$1,725/mo
Today · 4.125%
HK$58,012
baseline
▲ 0.50% · 4.625%
HK$61,542
+HK$3,530/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$116,024/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,729
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,358
−HK$1,652/mo
Today · 4.125%
HK$64,010
baseline
▲ 0.50% · 4.625%
HK$67,384
+HK$3,374/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$128,020/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,744 · Scale 2, in force from 26 Feb 2026)