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$30,351
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,295
−HK$959/mo
Today · 4.125%
HK$32,254
baseline
▲ 0.50% · 4.625%
HK$34,217
+HK$1,963/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,508/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,765
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,671
−HK$919/mo
Today · 4.125%
HK$35,590
baseline
▲ 0.50% · 4.625%
HK$37,466
+HK$1,876/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,180/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,421
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,554
−HK$1,151/mo
Today · 4.125%
HK$38,705
baseline
▲ 0.50% · 4.625%
HK$41,060
+HK$2,355/mo
Deposit HK$5.32M · loan HK$7.99M · min. income ≈ HK$77,410/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,518
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,605
−HK$1,103/mo
Today · 4.125%
HK$42,708
baseline
▲ 0.50% · 4.625%
HK$44,959
+HK$2,251/mo
Deposit HK$5.32M · loan HK$7.99M · min. income ≈ HK$85,416/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,492
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,813
−HK$1,343/mo
Today · 4.125%
HK$45,156
baseline
▲ 0.50% · 4.625%
HK$47,904
+HK$2,748/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$90,312/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,272
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,539
−HK$1,286/mo
Today · 4.125%
HK$49,825
baseline
▲ 0.50% · 4.625%
HK$52,452
+HK$2,627/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$99,650/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,632
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,331
−HK$1,727/mo
Today · 4.125%
HK$58,058
baseline
▲ 0.50% · 4.625%
HK$61,591
+HK$3,533/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,116/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,778
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,408
−HK$1,653/mo
Today · 4.125%
HK$64,061
baseline
▲ 0.50% · 4.625%
HK$67,438
+HK$3,377/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,122/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,141 · Scale 2, in force from 26 Feb 2026)