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$30,087
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,023
−HK$951/mo
Today · 4.125%
HK$31,974
baseline
▲ 0.50% · 4.625%
HK$33,920
+HK$1,946/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,948/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,472
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,370
−HK$910/mo
Today · 4.125%
HK$35,280
baseline
▲ 0.50% · 4.625%
HK$37,140
+HK$1,860/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,560/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,105
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,228
−HK$1,141/mo
Today · 4.125%
HK$38,369
baseline
▲ 0.50% · 4.625%
HK$40,704
+HK$2,335/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,738/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,166
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,243
−HK$1,093/mo
Today · 4.125%
HK$42,336
baseline
▲ 0.50% · 4.625%
HK$44,568
+HK$2,232/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,672/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,122
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,433
−HK$1,331/mo
Today · 4.125%
HK$44,764
baseline
▲ 0.50% · 4.625%
HK$47,487
+HK$2,723/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,528/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,861
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,117
−HK$1,275/mo
Today · 4.125%
HK$49,392
baseline
▲ 0.50% · 4.625%
HK$51,996
+HK$2,604/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,784/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,157
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$55,842
−HK$1,711/mo
Today · 4.125%
HK$57,553
baseline
▲ 0.50% · 4.625%
HK$61,055
+HK$3,502/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,106/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,249
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,865
−HK$1,639/mo
Today · 4.125%
HK$63,504
baseline
▲ 0.50% · 4.625%
HK$66,852
+HK$3,348/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,008/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,803 · Scale 2, in force from 26 Feb 2026)