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$30,114
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,051
−HK$952/mo
Today · 4.125%
HK$32,003
baseline
▲ 0.50% · 4.625%
HK$33,950
+HK$1,947/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$64,006/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,502
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,400
−HK$912/mo
Today · 4.125%
HK$35,312
baseline
▲ 0.50% · 4.625%
HK$37,173
+HK$1,861/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,624/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,137
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$37,261
−HK$1,142/mo
Today · 4.125%
HK$38,403
baseline
▲ 0.50% · 4.625%
HK$40,740
+HK$2,337/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,806/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,202
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,280
−HK$1,094/mo
Today · 4.125%
HK$42,374
baseline
▲ 0.50% · 4.625%
HK$44,608
+HK$2,234/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,748/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,160
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$43,471
−HK$1,333/mo
Today · 4.125%
HK$44,804
baseline
▲ 0.50% · 4.625%
HK$47,530
+HK$2,726/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,608/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,903
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$48,160
−HK$1,277/mo
Today · 4.125%
HK$49,437
baseline
▲ 0.50% · 4.625%
HK$52,042
+HK$2,605/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,874/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,206
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,892
−HK$1,713/mo
Today · 4.125%
HK$57,605
baseline
▲ 0.50% · 4.625%
HK$61,110
+HK$3,505/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,210/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,303
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,921
−HK$1,640/mo
Today · 4.125%
HK$63,561
baseline
▲ 0.50% · 4.625%
HK$66,912
+HK$3,351/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,122/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,245 · Scale 2, in force from 26 Feb 2026)