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$30,112
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,049
−HK$951/mo
Today · 4.125%
HK$32,000
baseline
▲ 0.50% · 4.625%
HK$33,947
+HK$1,947/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$64,000/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,499
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,398
−HK$911/mo
Today · 4.125%
HK$35,309
baseline
▲ 0.50% · 4.625%
HK$37,170
+HK$1,861/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,618/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,134
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,258
−HK$1,142/mo
Today · 4.125%
HK$38,400
baseline
▲ 0.50% · 4.625%
HK$40,737
+HK$2,337/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,800/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,199
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,277
−HK$1,094/mo
Today · 4.125%
HK$42,371
baseline
▲ 0.50% · 4.625%
HK$44,604
+HK$2,233/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,742/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,157
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,468
−HK$1,332/mo
Today · 4.125%
HK$44,800
baseline
▲ 0.50% · 4.625%
HK$47,526
+HK$2,726/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,600/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,899
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,157
−HK$1,276/mo
Today · 4.125%
HK$49,433
baseline
▲ 0.50% · 4.625%
HK$52,038
+HK$2,605/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,866/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,201
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,887
−HK$1,713/mo
Today · 4.125%
HK$57,600
baseline
▲ 0.50% · 4.625%
HK$61,105
+HK$3,505/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,200/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,299
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,916
−HK$1,640/mo
Today · 4.125%
HK$63,556
baseline
▲ 0.50% · 4.625%
HK$66,907
+HK$3,351/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,112/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,207 · Scale 2, in force from 26 Feb 2026)