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$30,087
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,023
−HK$951/mo
Today · 4.125%
HK$31,974
baseline
▲ 0.50% · 4.625%
HK$33,919
+HK$1,945/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,948/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,471
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,369
−HK$911/mo
Today · 4.125%
HK$35,280
baseline
▲ 0.50% · 4.625%
HK$37,139
+HK$1,859/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,560/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,104
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,227
−HK$1,141/mo
Today · 4.125%
HK$38,368
baseline
▲ 0.50% · 4.625%
HK$40,703
+HK$2,335/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,736/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,166
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,243
−HK$1,093/mo
Today · 4.125%
HK$42,336
baseline
▲ 0.50% · 4.625%
HK$44,567
+HK$2,231/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,672/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,122
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,432
−HK$1,331/mo
Today · 4.125%
HK$44,763
baseline
▲ 0.50% · 4.625%
HK$47,487
+HK$2,724/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,526/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,860
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,117
−HK$1,275/mo
Today · 4.125%
HK$49,392
baseline
▲ 0.50% · 4.625%
HK$51,995
+HK$2,603/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,784/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,156
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,841
−HK$1,712/mo
Today · 4.125%
HK$57,553
baseline
▲ 0.50% · 4.625%
HK$61,054
+HK$3,501/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,106/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,249
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,864
−HK$1,640/mo
Today · 4.125%
HK$63,504
baseline
▲ 0.50% · 4.625%
HK$66,851
+HK$3,347/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,008/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,795 · Scale 2, in force from 26 Feb 2026)