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$30,086
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,021
−HK$951/mo
Today · 4.125%
HK$31,972
baseline
▲ 0.50% · 4.625%
HK$33,918
+HK$1,946/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,944/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,470
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,367
−HK$911/mo
Today · 4.125%
HK$35,278
baseline
▲ 0.50% · 4.625%
HK$37,138
+HK$1,860/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,556/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,103
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,226
−HK$1,141/mo
Today · 4.125%
HK$38,367
baseline
▲ 0.50% · 4.625%
HK$40,701
+HK$2,334/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,734/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,164
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,241
−HK$1,093/mo
Today · 4.125%
HK$42,334
baseline
▲ 0.50% · 4.625%
HK$44,565
+HK$2,231/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,668/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,120
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,430
−HK$1,331/mo
Today · 4.125%
HK$44,761
baseline
▲ 0.50% · 4.625%
HK$47,485
+HK$2,724/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,522/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,858
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,114
−HK$1,275/mo
Today · 4.125%
HK$49,389
baseline
▲ 0.50% · 4.625%
HK$51,993
+HK$2,604/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,778/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,154
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$55,838
−HK$1,712/mo
Today · 4.125%
HK$57,550
baseline
▲ 0.50% · 4.625%
HK$61,052
+HK$3,502/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,100/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,246
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,861
−HK$1,640/mo
Today · 4.125%
HK$63,501
baseline
▲ 0.50% · 4.625%
HK$66,848
+HK$3,347/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$127,002/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,772 · Scale 2, in force from 26 Feb 2026)