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$30,096
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,032
−HK$951/mo
Today · 4.125%
HK$31,983
baseline
▲ 0.50% · 4.625%
HK$33,929
+HK$1,946/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,966/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,481
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,379
−HK$911/mo
Today · 4.125%
HK$35,290
baseline
▲ 0.50% · 4.625%
HK$37,150
+HK$1,860/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,580/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,115
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,238
−HK$1,142/mo
Today · 4.125%
HK$38,380
baseline
▲ 0.50% · 4.625%
HK$40,715
+HK$2,335/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,760/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,178
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,255
−HK$1,093/mo
Today · 4.125%
HK$42,348
baseline
▲ 0.50% · 4.625%
HK$44,581
+HK$2,233/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,696/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,134
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,445
−HK$1,331/mo
Today · 4.125%
HK$44,776
baseline
▲ 0.50% · 4.625%
HK$47,501
+HK$2,725/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,552/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,874
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,131
−HK$1,275/mo
Today · 4.125%
HK$49,406
baseline
▲ 0.50% · 4.625%
HK$52,011
+HK$2,605/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,812/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,173
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,858
−HK$1,712/mo
Today · 4.125%
HK$57,570
baseline
▲ 0.50% · 4.625%
HK$61,073
+HK$3,503/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,140/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,266
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,883
−HK$1,639/mo
Today · 4.125%
HK$63,522
baseline
▲ 0.50% · 4.625%
HK$66,871
+HK$3,349/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,044/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,943 · Scale 2, in force from 26 Feb 2026)