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$30,113
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,050
−HK$951/mo
Today · 4.125%
HK$32,001
baseline
▲ 0.50% · 4.625%
HK$33,949
+HK$1,948/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$64,002/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,500
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,399
−HK$911/mo
Today · 4.125%
HK$35,310
baseline
▲ 0.50% · 4.625%
HK$37,172
+HK$1,862/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,620/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,136
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,260
−HK$1,142/mo
Today · 4.125%
HK$38,402
baseline
▲ 0.50% · 4.625%
HK$40,738
+HK$2,336/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,804/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,201
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,279
−HK$1,093/mo
Today · 4.125%
HK$42,372
baseline
▲ 0.50% · 4.625%
HK$44,606
+HK$2,234/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,744/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,158
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,470
−HK$1,332/mo
Today · 4.125%
HK$44,802
baseline
▲ 0.50% · 4.625%
HK$47,528
+HK$2,726/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,604/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,901
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,159
−HK$1,276/mo
Today · 4.125%
HK$49,435
baseline
▲ 0.50% · 4.625%
HK$52,040
+HK$2,605/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,870/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,204
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,890
−HK$1,713/mo
Today · 4.125%
HK$57,603
baseline
▲ 0.50% · 4.625%
HK$61,108
+HK$3,505/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,206/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,301
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,918
−HK$1,641/mo
Today · 4.125%
HK$63,559
baseline
▲ 0.50% · 4.625%
HK$66,909
+HK$3,350/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,118/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,225 · Scale 2, in force from 26 Feb 2026)