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$30,364
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,308
−HK$960/mo
Today · 4.125%
HK$32,268
baseline
▲ 0.50% · 4.625%
HK$34,231
+HK$1,963/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,536/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,780
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,686
−HK$919/mo
Today · 4.125%
HK$35,605
baseline
▲ 0.50% · 4.625%
HK$37,481
+HK$1,876/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,210/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,437
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,570
−HK$1,152/mo
Today · 4.125%
HK$38,722
baseline
▲ 0.50% · 4.625%
HK$41,078
+HK$2,356/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,444/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,535
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,623
−HK$1,102/mo
Today · 4.125%
HK$42,725
baseline
▲ 0.50% · 4.625%
HK$44,978
+HK$2,253/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,450/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$499,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,510
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,832
−HK$1,343/mo
Today · 4.125%
HK$45,175
baseline
▲ 0.50% · 4.625%
HK$47,924
+HK$2,749/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$90,350/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,291
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,560
−HK$1,286/mo
Today · 4.125%
HK$49,846
baseline
▲ 0.50% · 4.625%
HK$52,474
+HK$2,628/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$99,692/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,655
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,355
−HK$1,727/mo
Today · 4.125%
HK$58,082
baseline
▲ 0.50% · 4.625%
HK$61,617
+HK$3,535/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,164/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,803
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,434
−HK$1,654/mo
Today · 4.125%
HK$64,088
baseline
▲ 0.50% · 4.625%
HK$67,466
+HK$3,378/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,176/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,351 · Scale 2, in force from 26 Feb 2026)