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$30,322
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,265
−HK$958/mo
Today · 4.125%
HK$32,223
baseline
▲ 0.50% · 4.625%
HK$34,184
+HK$1,961/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,446/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,733
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,637
−HK$918/mo
Today · 4.125%
HK$35,555
baseline
▲ 0.50% · 4.625%
HK$37,429
+HK$1,874/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,110/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,386
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,518
−HK$1,150/mo
Today · 4.125%
HK$38,668
baseline
▲ 0.50% · 4.625%
HK$41,021
+HK$2,353/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,336/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,479
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,565
−HK$1,101/mo
Today · 4.125%
HK$42,666
baseline
▲ 0.50% · 4.625%
HK$44,915
+HK$2,249/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,332/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,451
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,771
−HK$1,342/mo
Today · 4.125%
HK$45,113
baseline
▲ 0.50% · 4.625%
HK$47,858
+HK$2,745/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,226/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,226
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,492
−HK$1,285/mo
Today · 4.125%
HK$49,777
baseline
▲ 0.50% · 4.625%
HK$52,401
+HK$2,624/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,554/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,579
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,277
−HK$1,725/mo
Today · 4.125%
HK$58,002
baseline
▲ 0.50% · 4.625%
HK$61,531
+HK$3,529/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$116,004/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,719
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,347
−HK$1,652/mo
Today · 4.125%
HK$63,999
baseline
▲ 0.50% · 4.625%
HK$67,373
+HK$3,374/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$127,998/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,658 · Scale 2, in force from 26 Feb 2026)