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$30,148
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,086
−HK$953/mo
Today · 4.125%
HK$32,039
baseline
▲ 0.50% · 4.625%
HK$33,988
+HK$1,949/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,078/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,539
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,439
−HK$912/mo
Today · 4.125%
HK$35,351
baseline
▲ 0.50% · 4.625%
HK$37,215
+HK$1,864/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,702/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,178
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,303
−HK$1,143/mo
Today · 4.125%
HK$38,446
baseline
▲ 0.50% · 4.625%
HK$40,786
+HK$2,340/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,892/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,247
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,327
−HK$1,095/mo
Today · 4.125%
HK$42,422
baseline
▲ 0.50% · 4.625%
HK$44,658
+HK$2,236/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,844/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,207
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,520
−HK$1,334/mo
Today · 4.125%
HK$44,854
baseline
▲ 0.50% · 4.625%
HK$47,583
+HK$2,729/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$89,708/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,955
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,214
−HK$1,278/mo
Today · 4.125%
HK$49,492
baseline
▲ 0.50% · 4.625%
HK$52,101
+HK$2,609/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$98,984/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,266
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,954
−HK$1,715/mo
Today · 4.125%
HK$57,669
baseline
▲ 0.50% · 4.625%
HK$61,178
+HK$3,509/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,338/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,371
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,990
−HK$1,642/mo
Today · 4.125%
HK$63,632
baseline
▲ 0.50% · 4.625%
HK$66,987
+HK$3,355/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,264/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,800 · Scale 2, in force from 26 Feb 2026)