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$30,353
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,297
−HK$959/mo
Today · 4.125%
HK$32,256
baseline
▲ 0.50% · 4.625%
HK$34,219
+HK$1,963/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,512/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,767
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,673
−HK$918/mo
Today · 4.125%
HK$35,591
baseline
▲ 0.50% · 4.625%
HK$37,467
+HK$1,876/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,182/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,423
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,556
−HK$1,151/mo
Today · 4.125%
HK$38,707
baseline
▲ 0.50% · 4.625%
HK$41,063
+HK$2,356/mo
Deposit HK$5.32M · loan HK$7.99M · min. income ≈ HK$77,414/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,520
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,607
−HK$1,103/mo
Today · 4.125%
HK$42,710
baseline
▲ 0.50% · 4.625%
HK$44,961
+HK$2,251/mo
Deposit HK$5.32M · loan HK$7.99M · min. income ≈ HK$85,420/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,494
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,816
−HK$1,342/mo
Today · 4.125%
HK$45,158
baseline
▲ 0.50% · 4.625%
HK$47,906
+HK$2,748/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$90,316/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,274
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,542
−HK$1,286/mo
Today · 4.125%
HK$49,828
baseline
▲ 0.50% · 4.625%
HK$52,454
+HK$2,626/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$99,656/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,635
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,334
−HK$1,727/mo
Today · 4.125%
HK$58,061
baseline
▲ 0.50% · 4.625%
HK$61,594
+HK$3,533/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,122/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,781
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,411
−HK$1,654/mo
Today · 4.125%
HK$64,065
baseline
▲ 0.50% · 4.625%
HK$67,441
+HK$3,376/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,130/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,166 · Scale 2, in force from 26 Feb 2026)