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$30,079
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,015
−HK$951/mo
Today · 4.125%
HK$31,966
baseline
▲ 0.50% · 4.625%
HK$33,911
+HK$1,945/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,932/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,463
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,360
−HK$911/mo
Today · 4.125%
HK$35,271
baseline
▲ 0.50% · 4.625%
HK$37,130
+HK$1,859/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,542/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,095
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,218
−HK$1,141/mo
Today · 4.125%
HK$38,359
baseline
▲ 0.50% · 4.625%
HK$40,693
+HK$2,334/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$76,718/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,156
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,233
−HK$1,092/mo
Today · 4.125%
HK$42,325
baseline
▲ 0.50% · 4.625%
HK$44,556
+HK$2,231/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$84,650/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,111
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,421
−HK$1,331/mo
Today · 4.125%
HK$44,752
baseline
▲ 0.50% · 4.625%
HK$47,475
+HK$2,723/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,504/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,848
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,105
−HK$1,274/mo
Today · 4.125%
HK$49,379
baseline
▲ 0.50% · 4.625%
HK$51,982
+HK$2,603/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,758/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,143
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,827
−HK$1,711/mo
Today · 4.125%
HK$57,538
baseline
▲ 0.50% · 4.625%
HK$61,039
+HK$3,501/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,076/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,233
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,849
−HK$1,639/mo
Today · 4.125%
HK$63,488
baseline
▲ 0.50% · 4.625%
HK$66,834
+HK$3,346/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,976/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,671 · Scale 2, in force from 26 Feb 2026)