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$30,082
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,018
−HK$950/mo
Today · 4.125%
HK$31,968
baseline
▲ 0.50% · 4.625%
HK$33,913
+HK$1,945/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,936/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,466
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,363
−HK$911/mo
Today · 4.125%
HK$35,274
baseline
▲ 0.50% · 4.625%
HK$37,133
+HK$1,859/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,548/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,098
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,221
−HK$1,141/mo
Today · 4.125%
HK$38,362
baseline
▲ 0.50% · 4.625%
HK$40,696
+HK$2,334/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,724/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,159
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,236
−HK$1,093/mo
Today · 4.125%
HK$42,329
baseline
▲ 0.50% · 4.625%
HK$44,560
+HK$2,231/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,658/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,115
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,425
−HK$1,331/mo
Today · 4.125%
HK$44,756
baseline
▲ 0.50% · 4.625%
HK$47,479
+HK$2,723/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,512/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,852
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,109
−HK$1,274/mo
Today · 4.125%
HK$49,383
baseline
▲ 0.50% · 4.625%
HK$51,986
+HK$2,603/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,766/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,147
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$55,832
−HK$1,711/mo
Today · 4.125%
HK$57,543
baseline
▲ 0.50% · 4.625%
HK$61,044
+HK$3,501/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,086/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,238
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,854
−HK$1,639/mo
Today · 4.125%
HK$63,493
baseline
▲ 0.50% · 4.625%
HK$66,840
+HK$3,347/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,986/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,712 · Scale 2, in force from 26 Feb 2026)