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$30,116
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,053
−HK$951/mo
Today · 4.125%
HK$32,004
baseline
▲ 0.50% · 4.625%
HK$33,952
+HK$1,948/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$64,008/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,504
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,402
−HK$912/mo
Today · 4.125%
HK$35,314
baseline
▲ 0.50% · 4.625%
HK$37,175
+HK$1,861/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,628/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,139
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,263
−HK$1,142/mo
Today · 4.125%
HK$38,405
baseline
▲ 0.50% · 4.625%
HK$40,742
+HK$2,337/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,810/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,204
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,283
−HK$1,093/mo
Today · 4.125%
HK$42,376
baseline
▲ 0.50% · 4.625%
HK$44,610
+HK$2,234/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,752/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,162
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,474
−HK$1,332/mo
Today · 4.125%
HK$44,806
baseline
▲ 0.50% · 4.625%
HK$47,533
+HK$2,727/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$89,612/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,905
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,163
−HK$1,276/mo
Today · 4.125%
HK$49,439
baseline
▲ 0.50% · 4.625%
HK$52,045
+HK$2,606/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$98,878/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,209
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,895
−HK$1,713/mo
Today · 4.125%
HK$57,608
baseline
▲ 0.50% · 4.625%
HK$61,113
+HK$3,505/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,216/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,306
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,924
−HK$1,641/mo
Today · 4.125%
HK$63,565
baseline
▲ 0.50% · 4.625%
HK$66,915
+HK$3,350/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,130/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,272 · Scale 2, in force from 26 Feb 2026)