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$30,314
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,256
−HK$958/mo
Today · 4.125%
HK$32,214
baseline
▲ 0.50% · 4.625%
HK$34,175
+HK$1,961/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,428/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,723
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,628
−HK$917/mo
Today · 4.125%
HK$35,545
baseline
▲ 0.50% · 4.625%
HK$37,419
+HK$1,874/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,090/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,376
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,508
−HK$1,149/mo
Today · 4.125%
HK$38,657
baseline
▲ 0.50% · 4.625%
HK$41,010
+HK$2,353/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,314/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,468
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,554
−HK$1,101/mo
Today · 4.125%
HK$42,655
baseline
▲ 0.50% · 4.625%
HK$44,903
+HK$2,248/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,310/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,439
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,759
−HK$1,341/mo
Today · 4.125%
HK$45,100
baseline
▲ 0.50% · 4.625%
HK$47,844
+HK$2,744/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,200/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,213
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,479
−HK$1,285/mo
Today · 4.125%
HK$49,764
baseline
▲ 0.50% · 4.625%
HK$52,387
+HK$2,623/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,528/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,564
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,262
−HK$1,724/mo
Today · 4.125%
HK$57,986
baseline
▲ 0.50% · 4.625%
HK$61,514
+HK$3,528/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$115,972/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,702
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,330
−HK$1,652/mo
Today · 4.125%
HK$63,982
baseline
▲ 0.50% · 4.625%
HK$67,354
+HK$3,372/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$127,964/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,522 · Scale 2, in force from 26 Feb 2026)