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$30,195
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,134
−HK$954/mo
Today · 4.125%
HK$32,088
baseline
▲ 0.50% · 4.625%
HK$34,041
+HK$1,953/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$64,176/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,591
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,492
−HK$914/mo
Today · 4.125%
HK$35,406
baseline
▲ 0.50% · 4.625%
HK$37,272
+HK$1,866/mo
Deposit HK$6.62M · loan HK$6.62M · min. income ≈ HK$70,812/mo (50% DSR)
Upfront cash ≈ HK$7.12M (deposit + AVD stamp duty HK$496,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,234
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,361
−HK$1,145/mo
Today · 4.125%
HK$38,506
baseline
▲ 0.50% · 4.625%
HK$40,849
+HK$2,343/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$77,012/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,310
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,391
−HK$1,096/mo
Today · 4.125%
HK$42,487
baseline
▲ 0.50% · 4.625%
HK$44,727
+HK$2,240/mo
Deposit HK$5.30M · loan HK$7.95M · min. income ≈ HK$84,974/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$496,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,273
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$43,587
−HK$1,336/mo
Today · 4.125%
HK$44,923
baseline
▲ 0.50% · 4.625%
HK$47,657
+HK$2,734/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$89,846/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,028
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$48,289
−HK$1,280/mo
Today · 4.125%
HK$49,569
baseline
▲ 0.50% · 4.625%
HK$52,181
+HK$2,612/mo
Deposit HK$3.97M · loan HK$9.27M · min. income ≈ HK$99,138/mo (50% DSR)
Upfront cash ≈ HK$4.47M (deposit + AVD stamp duty HK$496,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,350
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,041
−HK$1,718/mo
Today · 4.125%
HK$57,759
baseline
▲ 0.50% · 4.625%
HK$61,273
+HK$3,514/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$115,518/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,464
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,086
−HK$1,645/mo
Today · 4.125%
HK$63,731
baseline
▲ 0.50% · 4.625%
HK$67,090
+HK$3,359/mo
Deposit HK$1.32M · loan HK$11.92M · min. income ≈ HK$127,462/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$496,567 · Scale 2, in force from 26 Feb 2026)