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$30,354
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,298
−HK$960/mo
Today · 4.125%
HK$32,258
baseline
▲ 0.50% · 4.625%
HK$34,220
+HK$1,962/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,516/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,769
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,674
−HK$919/mo
Today · 4.125%
HK$35,593
baseline
▲ 0.50% · 4.625%
HK$37,469
+HK$1,876/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,186/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,425
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,558
−HK$1,151/mo
Today · 4.125%
HK$38,709
baseline
▲ 0.50% · 4.625%
HK$41,065
+HK$2,356/mo
Deposit HK$5.32M · loan HK$7.99M · min. income ≈ HK$77,418/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,522
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,609
−HK$1,103/mo
Today · 4.125%
HK$42,712
baseline
▲ 0.50% · 4.625%
HK$44,963
+HK$2,251/mo
Deposit HK$5.32M · loan HK$7.99M · min. income ≈ HK$85,424/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,496
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,818
−HK$1,343/mo
Today · 4.125%
HK$45,161
baseline
▲ 0.50% · 4.625%
HK$47,909
+HK$2,748/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$90,322/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,276
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,544
−HK$1,286/mo
Today · 4.125%
HK$49,830
baseline
▲ 0.50% · 4.625%
HK$52,457
+HK$2,627/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$99,660/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,638
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,337
−HK$1,727/mo
Today · 4.125%
HK$58,064
baseline
▲ 0.50% · 4.625%
HK$61,597
+HK$3,533/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,128/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,784
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,414
−HK$1,654/mo
Today · 4.125%
HK$64,068
baseline
▲ 0.50% · 4.625%
HK$67,445
+HK$3,377/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,136/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,191 · Scale 2, in force from 26 Feb 2026)