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$30,345
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,288
−HK$959/mo
Today · 4.125%
HK$32,247
baseline
▲ 0.50% · 4.625%
HK$34,210
+HK$1,963/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,494/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,758
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,663
−HK$919/mo
Today · 4.125%
HK$35,582
baseline
▲ 0.50% · 4.625%
HK$37,457
+HK$1,875/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,164/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,413
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,546
−HK$1,151/mo
Today · 4.125%
HK$38,697
baseline
▲ 0.50% · 4.625%
HK$41,052
+HK$2,355/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,394/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,510
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,596
−HK$1,102/mo
Today · 4.125%
HK$42,698
baseline
▲ 0.50% · 4.625%
HK$44,949
+HK$2,251/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,396/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,482
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,804
−HK$1,342/mo
Today · 4.125%
HK$45,146
baseline
▲ 0.50% · 4.625%
HK$47,893
+HK$2,747/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$90,292/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,261
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,529
−HK$1,286/mo
Today · 4.125%
HK$49,815
baseline
▲ 0.50% · 4.625%
HK$52,440
+HK$2,625/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$99,630/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,620
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,319
−HK$1,726/mo
Today · 4.125%
HK$58,045
baseline
▲ 0.50% · 4.625%
HK$61,577
+HK$3,532/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,090/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,764
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,394
−HK$1,653/mo
Today · 4.125%
HK$64,047
baseline
▲ 0.50% · 4.625%
HK$67,423
+HK$3,376/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,094/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,033 · Scale 2, in force from 26 Feb 2026)