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$30,359
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,303
−HK$960/mo
Today · 4.125%
HK$32,263
baseline
▲ 0.50% · 4.625%
HK$34,226
+HK$1,963/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,526/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,774
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,680
−HK$919/mo
Today · 4.125%
HK$35,599
baseline
▲ 0.50% · 4.625%
HK$37,475
+HK$1,876/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,198/mo (50% DSR)
Upfront cash ≈ HK$7.16M (deposit + AVD stamp duty HK$499,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,431
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,564
−HK$1,152/mo
Today · 4.125%
HK$38,716
baseline
▲ 0.50% · 4.625%
HK$41,071
+HK$2,355/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$77,432/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,529
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,616
−HK$1,103/mo
Today · 4.125%
HK$42,719
baseline
▲ 0.50% · 4.625%
HK$44,971
+HK$2,252/mo
Deposit HK$5.33M · loan HK$7.99M · min. income ≈ HK$85,438/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,503
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,825
−HK$1,343/mo
Today · 4.125%
HK$45,168
baseline
▲ 0.50% · 4.625%
HK$47,916
+HK$2,748/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$90,336/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,284
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$48,552
−HK$1,287/mo
Today · 4.125%
HK$49,839
baseline
▲ 0.50% · 4.625%
HK$52,466
+HK$2,627/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$99,678/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,646
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,346
−HK$1,727/mo
Today · 4.125%
HK$58,073
baseline
▲ 0.50% · 4.625%
HK$61,607
+HK$3,534/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,146/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,794
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,424
−HK$1,654/mo
Today · 4.125%
HK$64,078
baseline
▲ 0.50% · 4.625%
HK$67,456
+HK$3,378/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,156/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,272 · Scale 2, in force from 26 Feb 2026)