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$30,088
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,024
−HK$951/mo
Today · 4.125%
HK$31,975
baseline
▲ 0.50% · 4.625%
HK$33,920
+HK$1,945/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,950/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,473
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,370
−HK$911/mo
Today · 4.125%
HK$35,281
baseline
▲ 0.50% · 4.625%
HK$37,141
+HK$1,860/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,562/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,106
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,229
−HK$1,141/mo
Today · 4.125%
HK$38,370
baseline
▲ 0.50% · 4.625%
HK$40,704
+HK$2,334/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,740/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,167
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,244
−HK$1,093/mo
Today · 4.125%
HK$42,337
baseline
▲ 0.50% · 4.625%
HK$44,569
+HK$2,232/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,674/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,123
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,434
−HK$1,331/mo
Today · 4.125%
HK$44,765
baseline
▲ 0.50% · 4.625%
HK$47,489
+HK$2,724/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,530/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,862
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,119
−HK$1,274/mo
Today · 4.125%
HK$49,393
baseline
▲ 0.50% · 4.625%
HK$51,997
+HK$2,604/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,786/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,158
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,843
−HK$1,712/mo
Today · 4.125%
HK$57,555
baseline
▲ 0.50% · 4.625%
HK$61,057
+HK$3,502/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,110/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,251
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,867
−HK$1,639/mo
Today · 4.125%
HK$63,506
baseline
▲ 0.50% · 4.625%
HK$66,853
+HK$3,347/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,012/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,814 · Scale 2, in force from 26 Feb 2026)