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$30,103
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,040
−HK$951/mo
Today · 4.125%
HK$31,991
baseline
▲ 0.50% · 4.625%
HK$33,937
+HK$1,946/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,982/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,489
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,388
−HK$911/mo
Today · 4.125%
HK$35,299
baseline
▲ 0.50% · 4.625%
HK$37,159
+HK$1,860/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,598/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,124
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,247
−HK$1,142/mo
Today · 4.125%
HK$38,389
baseline
▲ 0.50% · 4.625%
HK$40,725
+HK$2,336/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,778/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,187
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$41,265
−HK$1,094/mo
Today · 4.125%
HK$42,359
baseline
▲ 0.50% · 4.625%
HK$44,591
+HK$2,232/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,718/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,144
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,455
−HK$1,332/mo
Today · 4.125%
HK$44,787
baseline
▲ 0.50% · 4.625%
HK$47,512
+HK$2,725/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,574/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,885
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,143
−HK$1,275/mo
Today · 4.125%
HK$49,418
baseline
▲ 0.50% · 4.625%
HK$52,023
+HK$2,605/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,836/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,186
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,871
−HK$1,713/mo
Today · 4.125%
HK$57,584
baseline
▲ 0.50% · 4.625%
HK$61,087
+HK$3,503/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,168/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,281
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,898
−HK$1,640/mo
Today · 4.125%
HK$63,538
baseline
▲ 0.50% · 4.625%
HK$66,887
+HK$3,349/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,076/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,062 · Scale 2, in force from 26 Feb 2026)