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$30,328
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,272
−HK$958/mo
Today · 4.125%
HK$32,230
baseline
▲ 0.50% · 4.625%
HK$34,191
+HK$1,961/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,460/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,740
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,645
−HK$918/mo
Today · 4.125%
HK$35,563
baseline
▲ 0.50% · 4.625%
HK$37,437
+HK$1,874/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,126/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,394
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,526
−HK$1,150/mo
Today · 4.125%
HK$38,676
baseline
▲ 0.50% · 4.625%
HK$41,030
+HK$2,354/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,352/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,488
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,574
−HK$1,101/mo
Today · 4.125%
HK$42,675
baseline
▲ 0.50% · 4.625%
HK$44,925
+HK$2,250/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,350/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,460
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,780
−HK$1,342/mo
Today · 4.125%
HK$45,122
baseline
▲ 0.50% · 4.625%
HK$47,868
+HK$2,746/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,244/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,236
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,503
−HK$1,285/mo
Today · 4.125%
HK$49,788
baseline
▲ 0.50% · 4.625%
HK$52,412
+HK$2,624/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,576/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,591
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,289
−HK$1,725/mo
Today · 4.125%
HK$58,014
baseline
▲ 0.50% · 4.625%
HK$61,544
+HK$3,530/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$116,028/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,732
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,361
−HK$1,652/mo
Today · 4.125%
HK$64,013
baseline
▲ 0.50% · 4.625%
HK$67,387
+HK$3,374/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$128,026/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,766 · Scale 2, in force from 26 Feb 2026)