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$30,100
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,036
−HK$951/mo
Today · 4.125%
HK$31,987
baseline
▲ 0.50% · 4.625%
HK$33,934
+HK$1,947/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,974/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,486
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,384
−HK$911/mo
Today · 4.125%
HK$35,295
baseline
▲ 0.50% · 4.625%
HK$37,155
+HK$1,860/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,590/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,120
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,243
−HK$1,142/mo
Today · 4.125%
HK$38,385
baseline
▲ 0.50% · 4.625%
HK$40,720
+HK$2,335/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,770/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,183
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,260
−HK$1,094/mo
Today · 4.125%
HK$42,354
baseline
▲ 0.50% · 4.625%
HK$44,586
+HK$2,232/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,708/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,140
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,450
−HK$1,332/mo
Today · 4.125%
HK$44,782
baseline
▲ 0.50% · 4.625%
HK$47,507
+HK$2,725/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,564/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,880
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,137
−HK$1,276/mo
Today · 4.125%
HK$49,413
baseline
▲ 0.50% · 4.625%
HK$52,017
+HK$2,604/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,826/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,179
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,865
−HK$1,712/mo
Today · 4.125%
HK$57,577
baseline
▲ 0.50% · 4.625%
HK$61,080
+HK$3,503/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,154/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,274
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,891
−HK$1,639/mo
Today · 4.125%
HK$63,530
baseline
▲ 0.50% · 4.625%
HK$66,879
+HK$3,349/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,060/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,005 · Scale 2, in force from 26 Feb 2026)