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$30,134
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,071
−HK$953/mo
Today · 4.125%
HK$32,024
baseline
▲ 0.50% · 4.625%
HK$33,972
+HK$1,948/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,048/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,524
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,423
−HK$912/mo
Today · 4.125%
HK$35,335
baseline
▲ 0.50% · 4.625%
HK$37,197
+HK$1,862/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,670/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$495,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,161
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,285
−HK$1,143/mo
Today · 4.125%
HK$38,428
baseline
▲ 0.50% · 4.625%
HK$40,767
+HK$2,339/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,856/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,228
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,307
−HK$1,095/mo
Today · 4.125%
HK$42,402
baseline
▲ 0.50% · 4.625%
HK$44,637
+HK$2,235/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,804/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,187
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,500
−HK$1,333/mo
Today · 4.125%
HK$44,833
baseline
▲ 0.50% · 4.625%
HK$47,561
+HK$2,728/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$89,666/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,933
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$48,192
−HK$1,277/mo
Today · 4.125%
HK$49,469
baseline
▲ 0.50% · 4.625%
HK$52,076
+HK$2,607/mo
Deposit HK$3.96M · loan HK$9.25M · min. income ≈ HK$98,938/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,241
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,928
−HK$1,714/mo
Today · 4.125%
HK$57,642
baseline
▲ 0.50% · 4.625%
HK$61,150
+HK$3,508/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$115,284/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,343
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,961
−HK$1,642/mo
Today · 4.125%
HK$63,603
baseline
▲ 0.50% · 4.625%
HK$66,955
+HK$3,352/mo
Deposit HK$1.32M · loan HK$11.89M · min. income ≈ HK$127,206/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,568 · Scale 2, in force from 26 Feb 2026)