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$30,097
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,033
−HK$951/mo
Today · 4.125%
HK$31,984
baseline
▲ 0.50% · 4.625%
HK$33,931
+HK$1,947/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,968/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,483
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,381
−HK$911/mo
Today · 4.125%
HK$35,292
baseline
▲ 0.50% · 4.625%
HK$37,152
+HK$1,860/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,584/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,116
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,240
−HK$1,141/mo
Today · 4.125%
HK$38,381
baseline
▲ 0.50% · 4.625%
HK$40,717
+HK$2,336/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,762/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,179
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,257
−HK$1,093/mo
Today · 4.125%
HK$42,350
baseline
▲ 0.50% · 4.625%
HK$44,582
+HK$2,232/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,700/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,136
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,447
−HK$1,331/mo
Today · 4.125%
HK$44,778
baseline
▲ 0.50% · 4.625%
HK$47,503
+HK$2,725/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,556/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,876
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,133
−HK$1,275/mo
Today · 4.125%
HK$49,408
baseline
▲ 0.50% · 4.625%
HK$52,013
+HK$2,605/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,816/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,175
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,860
−HK$1,712/mo
Today · 4.125%
HK$57,572
baseline
▲ 0.50% · 4.625%
HK$61,075
+HK$3,503/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,144/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,269
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,885
−HK$1,640/mo
Today · 4.125%
HK$63,525
baseline
▲ 0.50% · 4.625%
HK$66,873
+HK$3,348/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,050/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,962 · Scale 2, in force from 26 Feb 2026)