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$30,091
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,027
−HK$951/mo
Today · 4.125%
HK$31,978
baseline
▲ 0.50% · 4.625%
HK$33,924
+HK$1,946/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,956/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,476
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,374
−HK$911/mo
Today · 4.125%
HK$35,285
baseline
▲ 0.50% · 4.625%
HK$37,144
+HK$1,859/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,570/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,109
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,232
−HK$1,142/mo
Today · 4.125%
HK$38,374
baseline
▲ 0.50% · 4.625%
HK$40,709
+HK$2,335/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,748/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,171
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,249
−HK$1,092/mo
Today · 4.125%
HK$42,341
baseline
▲ 0.50% · 4.625%
HK$44,573
+HK$2,232/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,682/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,127
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,438
−HK$1,331/mo
Today · 4.125%
HK$44,769
baseline
▲ 0.50% · 4.625%
HK$47,493
+HK$2,724/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,538/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,866
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,123
−HK$1,275/mo
Today · 4.125%
HK$49,398
baseline
▲ 0.50% · 4.625%
HK$52,002
+HK$2,604/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,796/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,164
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$55,849
−HK$1,711/mo
Today · 4.125%
HK$57,560
baseline
▲ 0.50% · 4.625%
HK$61,063
+HK$3,503/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,120/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,257
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,873
−HK$1,639/mo
Today · 4.125%
HK$63,512
baseline
▲ 0.50% · 4.625%
HK$66,860
+HK$3,348/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,024/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,863 · Scale 2, in force from 26 Feb 2026)