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$30,109
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,046
−HK$951/mo
Today · 4.125%
HK$31,997
baseline
▲ 0.50% · 4.625%
HK$33,944
+HK$1,947/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$495,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,496
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,394
−HK$912/mo
Today · 4.125%
HK$35,306
baseline
▲ 0.50% · 4.625%
HK$37,167
+HK$1,861/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,612/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,131
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,255
−HK$1,142/mo
Today · 4.125%
HK$38,397
baseline
▲ 0.50% · 4.625%
HK$40,733
+HK$2,336/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,794/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,195
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,273
−HK$1,094/mo
Today · 4.125%
HK$42,367
baseline
▲ 0.50% · 4.625%
HK$44,600
+HK$2,233/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,734/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,153
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,464
−HK$1,332/mo
Today · 4.125%
HK$44,796
baseline
▲ 0.50% · 4.625%
HK$47,522
+HK$2,726/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,592/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,894
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,152
−HK$1,276/mo
Today · 4.125%
HK$49,428
baseline
▲ 0.50% · 4.625%
HK$52,033
+HK$2,605/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,856/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,196
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,882
−HK$1,713/mo
Today · 4.125%
HK$57,595
baseline
▲ 0.50% · 4.625%
HK$61,099
+HK$3,504/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,190/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,293
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,910
−HK$1,640/mo
Today · 4.125%
HK$63,550
baseline
▲ 0.50% · 4.625%
HK$66,900
+HK$3,350/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,100/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,160 · Scale 2, in force from 26 Feb 2026)