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$30,144
−HK$1,890/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$495,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,535
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,434
−HK$912/mo
Today · 4.125%
HK$35,346
baseline
▲ 0.50% · 4.625%
HK$37,210
+HK$1,864/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$495,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,172
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,298
−HK$1,143/mo
Today · 4.125%
HK$38,441
baseline
▲ 0.50% · 4.625%
HK$40,780
+HK$2,339/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,882/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,242
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,321
−HK$1,095/mo
Today · 4.125%
HK$42,416
baseline
▲ 0.50% · 4.625%
HK$44,651
+HK$2,235/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,832/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,201
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,514
−HK$1,334/mo
Today · 4.125%
HK$44,848
baseline
▲ 0.50% · 4.625%
HK$47,576
+HK$2,728/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$89,696/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,948
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,208
−HK$1,277/mo
Today · 4.125%
HK$49,485
baseline
▲ 0.50% · 4.625%
HK$52,093
+HK$2,608/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$98,970/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,259
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$55,946
−HK$1,715/mo
Today · 4.125%
HK$57,661
baseline
▲ 0.50% · 4.625%
HK$61,170
+HK$3,509/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,322/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,362
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,981
−HK$1,642/mo
Today · 4.125%
HK$63,623
baseline
▲ 0.50% · 4.625%
HK$66,977
+HK$3,354/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$495,730 · Scale 2, in force from 26 Feb 2026)