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$30,081
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,017
−HK$950/mo
Today · 4.125%
HK$31,967
baseline
▲ 0.50% · 4.625%
HK$33,912
+HK$1,945/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,934/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,465
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,362
−HK$911/mo
Today · 4.125%
HK$35,273
baseline
▲ 0.50% · 4.625%
HK$37,132
+HK$1,859/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,546/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,097
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,220
−HK$1,141/mo
Today · 4.125%
HK$38,361
baseline
▲ 0.50% · 4.625%
HK$40,695
+HK$2,334/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,722/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,158
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,235
−HK$1,092/mo
Today · 4.125%
HK$42,327
baseline
▲ 0.50% · 4.625%
HK$44,559
+HK$2,232/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,654/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,113
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,423
−HK$1,331/mo
Today · 4.125%
HK$44,754
baseline
▲ 0.50% · 4.625%
HK$47,477
+HK$2,723/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,508/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,851
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,107
−HK$1,275/mo
Today · 4.125%
HK$49,382
baseline
▲ 0.50% · 4.625%
HK$51,985
+HK$2,603/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,764/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,146
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,830
−HK$1,711/mo
Today · 4.125%
HK$57,541
baseline
▲ 0.50% · 4.625%
HK$61,042
+HK$3,501/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,082/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,237
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,852
−HK$1,639/mo
Today · 4.125%
HK$63,491
baseline
▲ 0.50% · 4.625%
HK$66,838
+HK$3,347/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,982/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,698 · Scale 2, in force from 26 Feb 2026)