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$30,120
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,057
−HK$952/mo
Today · 4.125%
HK$32,009
baseline
▲ 0.50% · 4.625%
HK$33,957
+HK$1,948/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$64,018/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,509
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,407
−HK$912/mo
Today · 4.125%
HK$35,319
baseline
▲ 0.50% · 4.625%
HK$37,181
+HK$1,862/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,638/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,145
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,269
−HK$1,142/mo
Today · 4.125%
HK$38,411
baseline
▲ 0.50% · 4.625%
HK$40,748
+HK$2,337/mo
Deposit HK$5.28M · loan HK$7.93M · min. income ≈ HK$76,822/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,210
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,289
−HK$1,094/mo
Today · 4.125%
HK$42,383
baseline
▲ 0.50% · 4.625%
HK$44,617
+HK$2,234/mo
Deposit HK$5.28M · loan HK$7.93M · min. income ≈ HK$84,766/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,169
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,480
−HK$1,333/mo
Today · 4.125%
HK$44,813
baseline
▲ 0.50% · 4.625%
HK$47,540
+HK$2,727/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$89,626/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,912
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$48,170
−HK$1,277/mo
Today · 4.125%
HK$49,447
baseline
▲ 0.50% · 4.625%
HK$52,053
+HK$2,606/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$98,894/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,217
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,903
−HK$1,714/mo
Today · 4.125%
HK$57,617
baseline
▲ 0.50% · 4.625%
HK$61,123
+HK$3,506/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,234/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,316
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,933
−HK$1,641/mo
Today · 4.125%
HK$63,574
baseline
▲ 0.50% · 4.625%
HK$66,925
+HK$3,351/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,148/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,347 · Scale 2, in force from 26 Feb 2026)