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$1,889/mo
▼ 0.25% · 3.875%
HK$31,049
−HK$952/mo
Today · 4.125%
HK$32,001
baseline
▲ 0.50% · 4.625%
HK$33,948
+HK$1,947/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$64,002/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,500
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,398
−HK$912/mo
Today · 4.125%
HK$35,310
baseline
▲ 0.50% · 4.625%
HK$37,171
+HK$1,861/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,620/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,135
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,259
−HK$1,142/mo
Today · 4.125%
HK$38,401
baseline
▲ 0.50% · 4.625%
HK$40,738
+HK$2,337/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,802/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,200
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,278
−HK$1,094/mo
Today · 4.125%
HK$42,372
baseline
▲ 0.50% · 4.625%
HK$44,605
+HK$2,233/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,744/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,157
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,469
−HK$1,332/mo
Today · 4.125%
HK$44,801
baseline
▲ 0.50% · 4.625%
HK$47,527
+HK$2,726/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,602/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,900
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,158
−HK$1,276/mo
Today · 4.125%
HK$49,434
baseline
▲ 0.50% · 4.625%
HK$52,039
+HK$2,605/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,868/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,202
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,888
−HK$1,713/mo
Today · 4.125%
HK$57,601
baseline
▲ 0.50% · 4.625%
HK$61,106
+HK$3,505/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,202/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,300
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,917
−HK$1,640/mo
Today · 4.125%
HK$63,557
baseline
▲ 0.50% · 4.625%
HK$66,908
+HK$3,351/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,114/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,216 · Scale 2, in force from 26 Feb 2026)