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$30,080
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,016
−HK$950/mo
Today · 4.125%
HK$31,966
baseline
▲ 0.50% · 4.625%
HK$33,911
+HK$1,945/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,932/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,464
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,361
−HK$911/mo
Today · 4.125%
HK$35,272
baseline
▲ 0.50% · 4.625%
HK$37,131
+HK$1,859/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,544/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,096
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,219
−HK$1,140/mo
Today · 4.125%
HK$38,359
baseline
▲ 0.50% · 4.625%
HK$40,694
+HK$2,335/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$76,718/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,156
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,233
−HK$1,093/mo
Today · 4.125%
HK$42,326
baseline
▲ 0.50% · 4.625%
HK$44,557
+HK$2,231/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$84,652/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,112
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,422
−HK$1,331/mo
Today · 4.125%
HK$44,753
baseline
▲ 0.50% · 4.625%
HK$47,476
+HK$2,723/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,506/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,849
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,106
−HK$1,274/mo
Today · 4.125%
HK$49,380
baseline
▲ 0.50% · 4.625%
HK$51,983
+HK$2,603/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,760/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,144
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,828
−HK$1,711/mo
Today · 4.125%
HK$57,539
baseline
▲ 0.50% · 4.625%
HK$61,040
+HK$3,501/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,078/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,234
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,850
−HK$1,639/mo
Today · 4.125%
HK$63,489
baseline
▲ 0.50% · 4.625%
HK$66,835
+HK$3,346/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,978/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,680 · Scale 2, in force from 26 Feb 2026)