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$30,099
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,035
−HK$951/mo
Today · 4.125%
HK$31,986
baseline
▲ 0.50% · 4.625%
HK$33,933
+HK$1,947/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,972/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,485
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,383
−HK$911/mo
Today · 4.125%
HK$35,294
baseline
▲ 0.50% · 4.625%
HK$37,154
+HK$1,860/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,588/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,119
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,242
−HK$1,142/mo
Today · 4.125%
HK$38,384
baseline
▲ 0.50% · 4.625%
HK$40,719
+HK$2,335/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,768/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,182
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,259
−HK$1,094/mo
Today · 4.125%
HK$42,353
baseline
▲ 0.50% · 4.625%
HK$44,585
+HK$2,232/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,706/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,139
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,449
−HK$1,332/mo
Today · 4.125%
HK$44,781
baseline
▲ 0.50% · 4.625%
HK$47,506
+HK$2,725/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,562/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,879
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,136
−HK$1,275/mo
Today · 4.125%
HK$49,411
baseline
▲ 0.50% · 4.625%
HK$52,016
+HK$2,605/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,822/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,178
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,863
−HK$1,713/mo
Today · 4.125%
HK$57,576
baseline
▲ 0.50% · 4.625%
HK$61,079
+HK$3,503/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,152/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,273
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,889
−HK$1,640/mo
Today · 4.125%
HK$63,529
baseline
▲ 0.50% · 4.625%
HK$66,878
+HK$3,349/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,058/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,994 · Scale 2, in force from 26 Feb 2026)