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$30,110
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,047
−HK$951/mo
Today · 4.125%
HK$31,998
baseline
▲ 0.50% · 4.625%
HK$33,945
+HK$1,947/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,996/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,497
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,395
−HK$912/mo
Today · 4.125%
HK$35,307
baseline
▲ 0.50% · 4.625%
HK$37,168
+HK$1,861/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,614/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,132
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,256
−HK$1,142/mo
Today · 4.125%
HK$38,398
baseline
▲ 0.50% · 4.625%
HK$40,734
+HK$2,336/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,796/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,196
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,274
−HK$1,094/mo
Today · 4.125%
HK$42,368
baseline
▲ 0.50% · 4.625%
HK$44,601
+HK$2,233/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,736/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,154
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,465
−HK$1,332/mo
Today · 4.125%
HK$44,797
baseline
▲ 0.50% · 4.625%
HK$47,523
+HK$2,726/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,594/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,896
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,154
−HK$1,275/mo
Today · 4.125%
HK$49,429
baseline
▲ 0.50% · 4.625%
HK$52,035
+HK$2,606/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,858/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,198
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,884
−HK$1,713/mo
Today · 4.125%
HK$57,597
baseline
▲ 0.50% · 4.625%
HK$61,101
+HK$3,504/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,194/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,295
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,912
−HK$1,640/mo
Today · 4.125%
HK$63,552
baseline
▲ 0.50% · 4.625%
HK$66,902
+HK$3,350/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,104/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,175 · Scale 2, in force from 26 Feb 2026)