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$30,095
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,031
−HK$951/mo
Today · 4.125%
HK$31,982
baseline
▲ 0.50% · 4.625%
HK$33,928
+HK$1,946/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,964/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,481
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,378
−HK$911/mo
Today · 4.125%
HK$35,289
baseline
▲ 0.50% · 4.625%
HK$37,150
+HK$1,861/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,578/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,114
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,238
−HK$1,141/mo
Today · 4.125%
HK$38,379
baseline
▲ 0.50% · 4.625%
HK$40,714
+HK$2,335/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,758/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,177
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,254
−HK$1,093/mo
Today · 4.125%
HK$42,347
baseline
▲ 0.50% · 4.625%
HK$44,579
+HK$2,232/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,694/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,133
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,444
−HK$1,331/mo
Today · 4.125%
HK$44,775
baseline
▲ 0.50% · 4.625%
HK$47,500
+HK$2,725/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,550/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,873
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$48,130
−HK$1,275/mo
Today · 4.125%
HK$49,405
baseline
▲ 0.50% · 4.625%
HK$52,009
+HK$2,604/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,810/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,171
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,856
−HK$1,712/mo
Today · 4.125%
HK$57,568
baseline
▲ 0.50% · 4.625%
HK$61,071
+HK$3,503/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,136/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,265
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,881
−HK$1,640/mo
Today · 4.125%
HK$63,521
baseline
▲ 0.50% · 4.625%
HK$66,869
+HK$3,348/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,042/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,931 · Scale 2, in force from 26 Feb 2026)