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$30,083
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,018
−HK$951/mo
Today · 4.125%
HK$31,969
baseline
▲ 0.50% · 4.625%
HK$33,914
+HK$1,945/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,938/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,467
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,364
−HK$911/mo
Today · 4.125%
HK$35,275
baseline
▲ 0.50% · 4.625%
HK$37,134
+HK$1,859/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,550/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,099
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,222
−HK$1,141/mo
Today · 4.125%
HK$38,363
baseline
▲ 0.50% · 4.625%
HK$40,697
+HK$2,334/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,726/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,160
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,237
−HK$1,093/mo
Today · 4.125%
HK$42,330
baseline
▲ 0.50% · 4.625%
HK$44,561
+HK$2,231/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,660/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,116
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,426
−HK$1,331/mo
Today · 4.125%
HK$44,757
baseline
▲ 0.50% · 4.625%
HK$47,480
+HK$2,723/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,514/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,853
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,110
−HK$1,275/mo
Today · 4.125%
HK$49,385
baseline
▲ 0.50% · 4.625%
HK$51,988
+HK$2,603/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,770/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,149
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,833
−HK$1,711/mo
Today · 4.125%
HK$57,544
baseline
▲ 0.50% · 4.625%
HK$61,046
+HK$3,502/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,088/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,240
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,855
−HK$1,639/mo
Today · 4.125%
HK$63,494
baseline
▲ 0.50% · 4.625%
HK$66,841
+HK$3,347/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,988/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,725 · Scale 2, in force from 26 Feb 2026)