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$30,089
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,025
−HK$951/mo
Today · 4.125%
HK$31,976
baseline
▲ 0.50% · 4.625%
HK$33,921
+HK$1,945/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,952/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,474
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,371
−HK$911/mo
Today · 4.125%
HK$35,282
baseline
▲ 0.50% · 4.625%
HK$37,142
+HK$1,860/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,564/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,107
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,230
−HK$1,141/mo
Today · 4.125%
HK$38,371
baseline
▲ 0.50% · 4.625%
HK$40,706
+HK$2,335/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,742/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,168
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,246
−HK$1,093/mo
Today · 4.125%
HK$42,339
baseline
▲ 0.50% · 4.625%
HK$44,570
+HK$2,231/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,678/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,125
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,435
−HK$1,331/mo
Today · 4.125%
HK$44,766
baseline
▲ 0.50% · 4.625%
HK$47,490
+HK$2,724/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,532/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,863
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,120
−HK$1,275/mo
Today · 4.125%
HK$49,395
baseline
▲ 0.50% · 4.625%
HK$51,999
+HK$2,604/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,790/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,160
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,845
−HK$1,712/mo
Today · 4.125%
HK$57,557
baseline
▲ 0.50% · 4.625%
HK$61,059
+HK$3,502/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,114/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,253
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,869
−HK$1,639/mo
Today · 4.125%
HK$63,508
baseline
▲ 0.50% · 4.625%
HK$66,856
+HK$3,348/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,016/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,830 · Scale 2, in force from 26 Feb 2026)