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$1,889/mo
▼ 0.25% · 3.875%
HK$31,045
−HK$952/mo
Today · 4.125%
HK$31,997
baseline
▲ 0.50% · 4.625%
HK$33,943
+HK$1,946/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,994/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,495
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,394
−HK$911/mo
Today · 4.125%
HK$35,305
baseline
▲ 0.50% · 4.625%
HK$37,166
+HK$1,861/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,610/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,130
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,254
−HK$1,142/mo
Today · 4.125%
HK$38,396
baseline
▲ 0.50% · 4.625%
HK$40,732
+HK$2,336/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,792/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,194
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,272
−HK$1,094/mo
Today · 4.125%
HK$42,366
baseline
▲ 0.50% · 4.625%
HK$44,599
+HK$2,233/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,732/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,152
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,463
−HK$1,332/mo
Today · 4.125%
HK$44,795
baseline
▲ 0.50% · 4.625%
HK$47,521
+HK$2,726/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,590/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,893
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,151
−HK$1,276/mo
Today · 4.125%
HK$49,427
baseline
▲ 0.50% · 4.625%
HK$52,032
+HK$2,605/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,854/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,195
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,881
−HK$1,713/mo
Today · 4.125%
HK$57,594
baseline
▲ 0.50% · 4.625%
HK$61,098
+HK$3,504/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,188/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,292
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,909
−HK$1,640/mo
Today · 4.125%
HK$63,549
baseline
▲ 0.50% · 4.625%
HK$66,899
+HK$3,350/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,098/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,150 · Scale 2, in force from 26 Feb 2026)