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$30,082
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,017
−HK$951/mo
Today · 4.125%
HK$31,968
baseline
▲ 0.50% · 4.625%
HK$33,913
+HK$1,945/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,936/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,466
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,363
−HK$911/mo
Today · 4.125%
HK$35,274
baseline
▲ 0.50% · 4.625%
HK$37,133
+HK$1,859/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,548/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,098
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,221
−HK$1,141/mo
Today · 4.125%
HK$38,362
baseline
▲ 0.50% · 4.625%
HK$40,696
+HK$2,334/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,724/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,159
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,236
−HK$1,092/mo
Today · 4.125%
HK$42,328
baseline
▲ 0.50% · 4.625%
HK$44,559
+HK$2,231/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,656/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,114
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,424
−HK$1,331/mo
Today · 4.125%
HK$44,755
baseline
▲ 0.50% · 4.625%
HK$47,478
+HK$2,723/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,510/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,852
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,108
−HK$1,275/mo
Today · 4.125%
HK$49,383
baseline
▲ 0.50% · 4.625%
HK$51,986
+HK$2,603/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,766/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,147
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,831
−HK$1,711/mo
Today · 4.125%
HK$57,542
baseline
▲ 0.50% · 4.625%
HK$61,044
+HK$3,502/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,084/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,238
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,853
−HK$1,639/mo
Today · 4.125%
HK$63,492
baseline
▲ 0.50% · 4.625%
HK$66,839
+HK$3,347/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,984/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,709 · Scale 2, in force from 26 Feb 2026)