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$30,104
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,041
−HK$951/mo
Today · 4.125%
HK$31,992
baseline
▲ 0.50% · 4.625%
HK$33,939
+HK$1,947/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,984/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,491
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,389
−HK$911/mo
Today · 4.125%
HK$35,300
baseline
▲ 0.50% · 4.625%
HK$37,161
+HK$1,861/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,600/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,125
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,249
−HK$1,141/mo
Today · 4.125%
HK$38,390
baseline
▲ 0.50% · 4.625%
HK$40,726
+HK$2,336/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,780/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,189
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,267
−HK$1,093/mo
Today · 4.125%
HK$42,360
baseline
▲ 0.50% · 4.625%
HK$44,593
+HK$2,233/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,720/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,146
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,457
−HK$1,332/mo
Today · 4.125%
HK$44,789
baseline
▲ 0.50% · 4.625%
HK$47,514
+HK$2,725/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,578/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,887
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,144
−HK$1,276/mo
Today · 4.125%
HK$49,420
baseline
▲ 0.50% · 4.625%
HK$52,025
+HK$2,605/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,840/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,188
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,873
−HK$1,713/mo
Today · 4.125%
HK$57,586
baseline
▲ 0.50% · 4.625%
HK$61,089
+HK$3,503/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,172/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,283
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,900
−HK$1,640/mo
Today · 4.125%
HK$63,540
baseline
▲ 0.50% · 4.625%
HK$66,889
+HK$3,349/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,080/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,079 · Scale 2, in force from 26 Feb 2026)