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$30,149
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,087
−HK$953/mo
Today · 4.125%
HK$32,040
baseline
▲ 0.50% · 4.625%
HK$33,989
+HK$1,949/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,080/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,540
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,440
−HK$913/mo
Today · 4.125%
HK$35,353
baseline
▲ 0.50% · 4.625%
HK$37,216
+HK$1,863/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,706/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,179
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,304
−HK$1,144/mo
Today · 4.125%
HK$38,448
baseline
▲ 0.50% · 4.625%
HK$40,787
+HK$2,339/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,896/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,249
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,328
−HK$1,095/mo
Today · 4.125%
HK$42,423
baseline
▲ 0.50% · 4.625%
HK$44,659
+HK$2,236/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,846/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,209
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,522
−HK$1,333/mo
Today · 4.125%
HK$44,855
baseline
▲ 0.50% · 4.625%
HK$47,585
+HK$2,730/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,710/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,957
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,216
−HK$1,278/mo
Today · 4.125%
HK$49,494
baseline
▲ 0.50% · 4.625%
HK$52,102
+HK$2,608/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$98,988/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,268
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,956
−HK$1,715/mo
Today · 4.125%
HK$57,671
baseline
▲ 0.50% · 4.625%
HK$61,180
+HK$3,509/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,342/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,373
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,992
−HK$1,643/mo
Today · 4.125%
HK$63,635
baseline
▲ 0.50% · 4.625%
HK$66,989
+HK$3,354/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,270/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,817 · Scale 2, in force from 26 Feb 2026)