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$30,108
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,044
−HK$952/mo
Today · 4.125%
HK$31,996
baseline
▲ 0.50% · 4.625%
HK$33,942
+HK$1,946/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,992/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,494
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,393
−HK$911/mo
Today · 4.125%
HK$35,304
baseline
▲ 0.50% · 4.625%
HK$37,165
+HK$1,861/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,608/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,129
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,253
−HK$1,142/mo
Today · 4.125%
HK$38,395
baseline
▲ 0.50% · 4.625%
HK$40,731
+HK$2,336/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,790/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,193
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,271
−HK$1,094/mo
Today · 4.125%
HK$42,365
baseline
▲ 0.50% · 4.625%
HK$44,598
+HK$2,233/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,730/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,151
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,462
−HK$1,332/mo
Today · 4.125%
HK$44,794
baseline
▲ 0.50% · 4.625%
HK$47,519
+HK$2,725/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,588/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,892
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,150
−HK$1,275/mo
Today · 4.125%
HK$49,425
baseline
▲ 0.50% · 4.625%
HK$52,031
+HK$2,606/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,850/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,194
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,879
−HK$1,713/mo
Today · 4.125%
HK$57,592
baseline
▲ 0.50% · 4.625%
HK$61,096
+HK$3,504/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,184/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,290
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,907
−HK$1,640/mo
Today · 4.125%
HK$63,547
baseline
▲ 0.50% · 4.625%
HK$66,897
+HK$3,350/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,094/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,134 · Scale 2, in force from 26 Feb 2026)