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$30,352
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,296
−HK$959/mo
Today · 4.125%
HK$32,255
baseline
▲ 0.50% · 4.625%
HK$34,218
+HK$1,963/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$64,510/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,766
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,672
−HK$918/mo
Today · 4.125%
HK$35,590
baseline
▲ 0.50% · 4.625%
HK$37,466
+HK$1,876/mo
Deposit HK$6.66M · loan HK$6.66M · min. income ≈ HK$71,180/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,422
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,555
−HK$1,151/mo
Today · 4.125%
HK$38,706
baseline
▲ 0.50% · 4.625%
HK$41,061
+HK$2,355/mo
Deposit HK$5.32M · loan HK$7.99M · min. income ≈ HK$77,412/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,519
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,606
−HK$1,102/mo
Today · 4.125%
HK$42,708
baseline
▲ 0.50% · 4.625%
HK$44,960
+HK$2,252/mo
Deposit HK$5.32M · loan HK$7.99M · min. income ≈ HK$85,416/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,492
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$43,814
−HK$1,343/mo
Today · 4.125%
HK$45,157
baseline
▲ 0.50% · 4.625%
HK$47,905
+HK$2,748/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$90,314/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,272
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$48,540
−HK$1,286/mo
Today · 4.125%
HK$49,826
baseline
▲ 0.50% · 4.625%
HK$52,453
+HK$2,627/mo
Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$99,652/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,633
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,333
−HK$1,726/mo
Today · 4.125%
HK$58,059
baseline
▲ 0.50% · 4.625%
HK$61,592
+HK$3,533/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,118/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,779
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,409
−HK$1,654/mo
Today · 4.125%
HK$64,063
baseline
▲ 0.50% · 4.625%
HK$67,439
+HK$3,376/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,126/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,151 · Scale 2, in force from 26 Feb 2026)