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$30,093
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,029
−HK$952/mo
Today · 4.125%
HK$31,981
baseline
▲ 0.50% · 4.625%
HK$33,926
+HK$1,945/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,962/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,479
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,376
−HK$911/mo
Today · 4.125%
HK$35,287
baseline
▲ 0.50% · 4.625%
HK$37,147
+HK$1,860/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,574/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,112
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,235
−HK$1,142/mo
Today · 4.125%
HK$38,377
baseline
▲ 0.50% · 4.625%
HK$40,712
+HK$2,335/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,754/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,174
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,252
−HK$1,093/mo
Today · 4.125%
HK$42,345
baseline
▲ 0.50% · 4.625%
HK$44,577
+HK$2,232/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,690/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,131
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,441
−HK$1,332/mo
Today · 4.125%
HK$44,773
baseline
▲ 0.50% · 4.625%
HK$47,497
+HK$2,724/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,546/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,870
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,127
−HK$1,275/mo
Today · 4.125%
HK$49,402
baseline
▲ 0.50% · 4.625%
HK$52,006
+HK$2,604/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,804/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,168
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,853
−HK$1,712/mo
Today · 4.125%
HK$57,565
baseline
▲ 0.50% · 4.625%
HK$61,068
+HK$3,503/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,130/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,261
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,878
−HK$1,639/mo
Today · 4.125%
HK$63,517
baseline
▲ 0.50% · 4.625%
HK$66,865
+HK$3,348/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,034/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,902 · Scale 2, in force from 26 Feb 2026)