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$30,143
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,081
−HK$953/mo
Today · 4.125%
HK$32,034
baseline
▲ 0.50% · 4.625%
HK$33,983
+HK$1,949/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,068/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,534
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,433
−HK$913/mo
Today · 4.125%
HK$35,346
baseline
▲ 0.50% · 4.625%
HK$37,209
+HK$1,863/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,692/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,172
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,297
−HK$1,143/mo
Today · 4.125%
HK$38,440
baseline
▲ 0.50% · 4.625%
HK$40,779
+HK$2,339/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,880/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,241
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,320
−HK$1,095/mo
Today · 4.125%
HK$42,415
baseline
▲ 0.50% · 4.625%
HK$44,651
+HK$2,236/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,830/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,201
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,513
−HK$1,334/mo
Today · 4.125%
HK$44,847
baseline
▲ 0.50% · 4.625%
HK$47,576
+HK$2,729/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$89,694/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,948
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,207
−HK$1,277/mo
Today · 4.125%
HK$49,484
baseline
▲ 0.50% · 4.625%
HK$52,093
+HK$2,609/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$98,968/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,258
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,946
−HK$1,714/mo
Today · 4.125%
HK$57,660
baseline
▲ 0.50% · 4.625%
HK$61,169
+HK$3,509/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,320/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,361
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,980
−HK$1,643/mo
Today · 4.125%
HK$63,623
baseline
▲ 0.50% · 4.625%
HK$66,976
+HK$3,353/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,246/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,723 · Scale 2, in force from 26 Feb 2026)