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$30,310
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,253
−HK$957/mo
Today · 4.125%
HK$32,210
baseline
▲ 0.50% · 4.625%
HK$34,170
+HK$1,960/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,420/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,719
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,624
−HK$917/mo
Today · 4.125%
HK$35,541
baseline
▲ 0.50% · 4.625%
HK$37,415
+HK$1,874/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,082/mo (50% DSR)
Upfront cash ≈ HK$7.14M (deposit + AVD stamp duty HK$498,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,372
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,503
−HK$1,150/mo
Today · 4.125%
HK$38,653
baseline
▲ 0.50% · 4.625%
HK$41,004
+HK$2,351/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,306/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,463
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,548
−HK$1,101/mo
Today · 4.125%
HK$42,649
baseline
▲ 0.50% · 4.625%
HK$44,897
+HK$2,248/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,298/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$498,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,434
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$43,754
−HK$1,341/mo
Today · 4.125%
HK$45,095
baseline
▲ 0.50% · 4.625%
HK$47,839
+HK$2,744/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$90,190/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,207
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$48,473
−HK$1,285/mo
Today · 4.125%
HK$49,758
baseline
▲ 0.50% · 4.625%
HK$52,380
+HK$2,622/mo
Deposit HK$3.99M · loan HK$9.30M · min. income ≈ HK$99,516/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$498,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,558
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,255
−HK$1,724/mo
Today · 4.125%
HK$57,979
baseline
▲ 0.50% · 4.625%
HK$61,507
+HK$3,528/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$115,958/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,695
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,323
−HK$1,651/mo
Today · 4.125%
HK$63,974
baseline
▲ 0.50% · 4.625%
HK$67,346
+HK$3,372/mo
Deposit HK$1.33M · loan HK$11.96M · min. income ≈ HK$127,948/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$498,461 · Scale 2, in force from 26 Feb 2026)