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$30,111
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,047
−HK$952/mo
Today · 4.125%
HK$31,999
baseline
▲ 0.50% · 4.625%
HK$33,946
+HK$1,947/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,998/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,498
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,396
−HK$911/mo
Today · 4.125%
HK$35,307
baseline
▲ 0.50% · 4.625%
HK$37,169
+HK$1,862/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,614/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,133
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,257
−HK$1,141/mo
Today · 4.125%
HK$38,398
baseline
▲ 0.50% · 4.625%
HK$40,735
+HK$2,337/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,796/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,197
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,275
−HK$1,094/mo
Today · 4.125%
HK$42,369
baseline
▲ 0.50% · 4.625%
HK$44,602
+HK$2,233/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,738/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,155
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,466
−HK$1,332/mo
Today · 4.125%
HK$44,798
baseline
▲ 0.50% · 4.625%
HK$47,524
+HK$2,726/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,596/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,897
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,155
−HK$1,275/mo
Today · 4.125%
HK$49,430
baseline
▲ 0.50% · 4.625%
HK$52,036
+HK$2,606/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,860/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,199
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,885
−HK$1,713/mo
Today · 4.125%
HK$57,598
baseline
▲ 0.50% · 4.625%
HK$61,102
+HK$3,504/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,196/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,296
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,913
−HK$1,640/mo
Today · 4.125%
HK$63,553
baseline
▲ 0.50% · 4.625%
HK$66,903
+HK$3,350/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,106/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,184 · Scale 2, in force from 26 Feb 2026)