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$30,099
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,036
−HK$951/mo
Today · 4.125%
HK$31,987
baseline
▲ 0.50% · 4.625%
HK$33,933
+HK$1,946/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$63,974/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$495,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,485
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,383
−HK$911/mo
Today · 4.125%
HK$35,294
baseline
▲ 0.50% · 4.625%
HK$37,155
+HK$1,861/mo
Deposit HK$6.60M · loan HK$6.60M · min. income ≈ HK$70,588/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$495,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,119
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,243
−HK$1,141/mo
Today · 4.125%
HK$38,384
baseline
▲ 0.50% · 4.625%
HK$40,720
+HK$2,336/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$76,768/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$495,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,182
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$41,260
−HK$1,093/mo
Today · 4.125%
HK$42,353
baseline
▲ 0.50% · 4.625%
HK$44,586
+HK$2,233/mo
Deposit HK$5.28M · loan HK$7.92M · min. income ≈ HK$84,706/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$495,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,139
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$43,450
−HK$1,332/mo
Today · 4.125%
HK$44,782
baseline
▲ 0.50% · 4.625%
HK$47,506
+HK$2,724/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$89,564/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$495,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,879
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$48,137
−HK$1,275/mo
Today · 4.125%
HK$49,412
baseline
▲ 0.50% · 4.625%
HK$52,017
+HK$2,605/mo
Deposit HK$3.96M · loan HK$9.24M · min. income ≈ HK$98,824/mo (50% DSR)
Upfront cash ≈ HK$4.45M (deposit + AVD stamp duty HK$495,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,179
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,864
−HK$1,712/mo
Today · 4.125%
HK$57,576
baseline
▲ 0.50% · 4.625%
HK$61,080
+HK$3,504/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$115,152/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$495,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,273
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,890
−HK$1,640/mo
Today · 4.125%
HK$63,530
baseline
▲ 0.50% · 4.625%
HK$66,879
+HK$3,349/mo
Deposit HK$1.32M · loan HK$11.88M · min. income ≈ HK$127,060/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$495,000 · Scale 2, in force from 26 Feb 2026)