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$30,325
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,269
−HK$958/mo
Today · 4.125%
HK$32,227
baseline
▲ 0.50% · 4.625%
HK$34,188
+HK$1,961/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,454/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,737
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,641
−HK$918/mo
Today · 4.125%
HK$35,559
baseline
▲ 0.50% · 4.625%
HK$37,434
+HK$1,875/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,118/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,390
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,522
−HK$1,150/mo
Today · 4.125%
HK$38,672
baseline
▲ 0.50% · 4.625%
HK$41,025
+HK$2,353/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,344/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,484
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,570
−HK$1,101/mo
Today · 4.125%
HK$42,671
baseline
▲ 0.50% · 4.625%
HK$44,920
+HK$2,249/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,342/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,455
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,776
−HK$1,342/mo
Today · 4.125%
HK$45,118
baseline
▲ 0.50% · 4.625%
HK$47,863
+HK$2,745/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,236/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,231
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,498
−HK$1,285/mo
Today · 4.125%
HK$49,783
baseline
▲ 0.50% · 4.625%
HK$52,407
+HK$2,624/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,566/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,585
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,283
−HK$1,725/mo
Today · 4.125%
HK$58,008
baseline
▲ 0.50% · 4.625%
HK$61,538
+HK$3,530/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$116,016/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,726
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,354
−HK$1,653/mo
Today · 4.125%
HK$64,007
baseline
▲ 0.50% · 4.625%
HK$67,380
+HK$3,373/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$128,014/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,715 · Scale 2, in force from 26 Feb 2026)