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$30,094
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,030
−HK$951/mo
Today · 4.125%
HK$31,981
baseline
▲ 0.50% · 4.625%
HK$33,927
+HK$1,946/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,962/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,479
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,377
−HK$911/mo
Today · 4.125%
HK$35,288
baseline
▲ 0.50% · 4.625%
HK$37,148
+HK$1,860/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,576/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,113
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,236
−HK$1,141/mo
Today · 4.125%
HK$38,377
baseline
▲ 0.50% · 4.625%
HK$40,712
+HK$2,335/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,754/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,175
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,252
−HK$1,093/mo
Today · 4.125%
HK$42,345
baseline
▲ 0.50% · 4.625%
HK$44,578
+HK$2,233/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,690/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,131
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,442
−HK$1,331/mo
Today · 4.125%
HK$44,773
baseline
▲ 0.50% · 4.625%
HK$47,498
+HK$2,725/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,546/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,871
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,128
−HK$1,275/mo
Today · 4.125%
HK$49,403
baseline
▲ 0.50% · 4.625%
HK$52,007
+HK$2,604/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,806/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,169
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,854
−HK$1,712/mo
Today · 4.125%
HK$57,566
baseline
▲ 0.50% · 4.625%
HK$61,069
+HK$3,503/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,132/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,262
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,879
−HK$1,639/mo
Today · 4.125%
HK$63,518
baseline
▲ 0.50% · 4.625%
HK$66,866
+HK$3,348/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,036/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,910 · Scale 2, in force from 26 Feb 2026)