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$30,105
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,041
−HK$951/mo
Today · 4.125%
HK$31,992
baseline
▲ 0.50% · 4.625%
HK$33,939
+HK$1,947/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,984/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,491
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,389
−HK$912/mo
Today · 4.125%
HK$35,301
baseline
▲ 0.50% · 4.625%
HK$37,161
+HK$1,860/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,602/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,126
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,249
−HK$1,142/mo
Today · 4.125%
HK$38,391
baseline
▲ 0.50% · 4.625%
HK$40,727
+HK$2,336/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,782/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,189
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,267
−HK$1,094/mo
Today · 4.125%
HK$42,361
baseline
▲ 0.50% · 4.625%
HK$44,594
+HK$2,233/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,722/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,147
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$43,458
−HK$1,331/mo
Today · 4.125%
HK$44,789
baseline
▲ 0.50% · 4.625%
HK$47,515
+HK$2,726/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,578/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,888
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,145
−HK$1,276/mo
Today · 4.125%
HK$49,421
baseline
▲ 0.50% · 4.625%
HK$52,026
+HK$2,605/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,842/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,188
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,874
−HK$1,712/mo
Today · 4.125%
HK$57,586
baseline
▲ 0.50% · 4.625%
HK$61,090
+HK$3,504/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,172/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,284
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,901
−HK$1,640/mo
Today · 4.125%
HK$63,541
baseline
▲ 0.50% · 4.625%
HK$66,890
+HK$3,349/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,082/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,087 · Scale 2, in force from 26 Feb 2026)