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$1,889/mo
▼ 0.25% · 3.875%
HK$31,053
−HK$952/mo
Today · 4.125%
HK$32,005
baseline
▲ 0.50% · 4.625%
HK$33,952
+HK$1,947/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$64,010/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,504
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,403
−HK$911/mo
Today · 4.125%
HK$35,314
baseline
▲ 0.50% · 4.625%
HK$37,176
+HK$1,862/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$495,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,140
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,264
−HK$1,142/mo
Today · 4.125%
HK$38,406
baseline
▲ 0.50% · 4.625%
HK$40,743
+HK$2,337/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,812/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,205
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,283
−HK$1,094/mo
Today · 4.125%
HK$42,377
baseline
▲ 0.50% · 4.625%
HK$44,611
+HK$2,234/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,754/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,163
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,475
−HK$1,332/mo
Today · 4.125%
HK$44,807
baseline
▲ 0.50% · 4.625%
HK$47,533
+HK$2,726/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$89,614/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,906
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,164
−HK$1,276/mo
Today · 4.125%
HK$49,440
baseline
▲ 0.50% · 4.625%
HK$52,046
+HK$2,606/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$98,880/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,210
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,896
−HK$1,713/mo
Today · 4.125%
HK$57,609
baseline
▲ 0.50% · 4.625%
HK$61,114
+HK$3,505/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,218/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,308
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,925
−HK$1,641/mo
Today · 4.125%
HK$63,566
baseline
▲ 0.50% · 4.625%
HK$66,917
+HK$3,351/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,132/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,282 · Scale 2, in force from 26 Feb 2026)