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$30,115
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,052
−HK$951/mo
Today · 4.125%
HK$32,003
baseline
▲ 0.50% · 4.625%
HK$33,951
+HK$1,948/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$64,006/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,503
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,401
−HK$912/mo
Today · 4.125%
HK$35,313
baseline
▲ 0.50% · 4.625%
HK$37,174
+HK$1,861/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,626/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,138
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,262
−HK$1,142/mo
Today · 4.125%
HK$38,404
baseline
▲ 0.50% · 4.625%
HK$40,741
+HK$2,337/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,808/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,203
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,281
−HK$1,094/mo
Today · 4.125%
HK$42,375
baseline
▲ 0.50% · 4.625%
HK$44,609
+HK$2,234/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,750/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,161
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,472
−HK$1,333/mo
Today · 4.125%
HK$44,805
baseline
▲ 0.50% · 4.625%
HK$47,531
+HK$2,726/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,610/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,904
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,161
−HK$1,277/mo
Today · 4.125%
HK$49,438
baseline
▲ 0.50% · 4.625%
HK$52,043
+HK$2,605/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,876/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,207
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,893
−HK$1,713/mo
Today · 4.125%
HK$57,606
baseline
▲ 0.50% · 4.625%
HK$61,111
+HK$3,505/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,212/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,305
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,922
−HK$1,641/mo
Today · 4.125%
HK$63,563
baseline
▲ 0.50% · 4.625%
HK$66,913
+HK$3,350/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,126/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,255 · Scale 2, in force from 26 Feb 2026)