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$30,329
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,272
−HK$959/mo
Today · 4.125%
HK$32,231
baseline
▲ 0.50% · 4.625%
HK$34,192
+HK$1,961/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,462/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,741
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,646
−HK$918/mo
Today · 4.125%
HK$35,564
baseline
▲ 0.50% · 4.625%
HK$37,438
+HK$1,874/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,128/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$498,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,395
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,527
−HK$1,150/mo
Today · 4.125%
HK$38,677
baseline
▲ 0.50% · 4.625%
HK$41,031
+HK$2,354/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,354/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,489
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,575
−HK$1,101/mo
Today · 4.125%
HK$42,676
baseline
▲ 0.50% · 4.625%
HK$44,926
+HK$2,250/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,352/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,461
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$43,781
−HK$1,342/mo
Today · 4.125%
HK$45,123
baseline
▲ 0.50% · 4.625%
HK$47,869
+HK$2,746/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,246/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,237
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,504
−HK$1,285/mo
Today · 4.125%
HK$49,789
baseline
▲ 0.50% · 4.625%
HK$52,414
+HK$2,625/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,578/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,592
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,290
−HK$1,726/mo
Today · 4.125%
HK$58,016
baseline
▲ 0.50% · 4.625%
HK$61,546
+HK$3,530/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$116,032/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,733
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,362
−HK$1,653/mo
Today · 4.125%
HK$64,015
baseline
▲ 0.50% · 4.625%
HK$67,389
+HK$3,374/mo
Deposit HK$1.33M · loan HK$11.97M · min. income ≈ HK$128,030/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,777 · Scale 2, in force from 26 Feb 2026)