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$1,902/mo
▼ 0.25% · 3.875%
HK$31,283
−HK$959/mo
Today · 4.125%
HK$32,242
baseline
▲ 0.50% · 4.625%
HK$34,204
+HK$1,962/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,484/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,753
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,658
−HK$918/mo
Today · 4.125%
HK$35,576
baseline
▲ 0.50% · 4.625%
HK$37,451
+HK$1,875/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,152/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,408
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,540
−HK$1,151/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$498,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,503
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,589
−HK$1,102/mo
Today · 4.125%
HK$42,691
baseline
▲ 0.50% · 4.625%
HK$44,942
+HK$2,251/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,382/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,476
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,797
−HK$1,342/mo
Today · 4.125%
HK$45,139
baseline
▲ 0.50% · 4.625%
HK$47,886
+HK$2,747/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,278/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,254
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,521
−HK$1,286/mo
Today · 4.125%
HK$49,807
baseline
▲ 0.50% · 4.625%
HK$52,432
+HK$2,625/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$498,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,611
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,310
−HK$1,726/mo
Today · 4.125%
HK$58,036
baseline
▲ 0.50% · 4.625%
HK$61,567
+HK$3,531/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$116,072/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,755
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,384
−HK$1,653/mo
Today · 4.125%
HK$64,037
baseline
▲ 0.50% · 4.625%
HK$67,413
+HK$3,376/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$128,074/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,952 · Scale 2, in force from 26 Feb 2026)