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$30,079
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,014
−HK$951/mo
Today · 4.125%
HK$31,965
baseline
▲ 0.50% · 4.625%
HK$33,910
+HK$1,945/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,930/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,462
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,360
−HK$910/mo
Today · 4.125%
HK$35,270
baseline
▲ 0.50% · 4.625%
HK$37,129
+HK$1,859/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,540/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$494,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,095
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,217
−HK$1,141/mo
Today · 4.125%
HK$38,358
baseline
▲ 0.50% · 4.625%
HK$40,692
+HK$2,334/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$76,716/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,155
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,232
−HK$1,092/mo
Today · 4.125%
HK$42,324
baseline
▲ 0.50% · 4.625%
HK$44,555
+HK$2,231/mo
Deposit HK$5.28M · loan HK$7.91M · min. income ≈ HK$84,648/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$494,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,110
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$43,420
−HK$1,331/mo
Today · 4.125%
HK$44,751
baseline
▲ 0.50% · 4.625%
HK$47,474
+HK$2,723/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$89,502/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,847
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$48,104
−HK$1,274/mo
Today · 4.125%
HK$49,378
baseline
▲ 0.50% · 4.625%
HK$51,981
+HK$2,603/mo
Deposit HK$3.96M · loan HK$9.23M · min. income ≈ HK$98,756/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$494,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,142
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,826
−HK$1,711/mo
Today · 4.125%
HK$57,537
baseline
▲ 0.50% · 4.625%
HK$61,038
+HK$3,501/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$115,074/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,232
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,848
−HK$1,639/mo
Today · 4.125%
HK$63,487
baseline
▲ 0.50% · 4.625%
HK$66,833
+HK$3,346/mo
Deposit HK$1.32M · loan HK$11.87M · min. income ≈ HK$126,974/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$494,663 · Scale 2, in force from 26 Feb 2026)