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$30,343
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,286
−HK$959/mo
Today · 4.125%
HK$32,245
baseline
▲ 0.50% · 4.625%
HK$34,207
+HK$1,962/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$64,490/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,756
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,661
−HK$919/mo
Today · 4.125%
HK$35,580
baseline
▲ 0.50% · 4.625%
HK$37,455
+HK$1,875/mo
Deposit HK$6.65M · loan HK$6.65M · min. income ≈ HK$71,160/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$499,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,411
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,544
−HK$1,150/mo
Today · 4.125%
HK$38,694
baseline
▲ 0.50% · 4.625%
HK$41,049
+HK$2,355/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$77,388/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,507
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,593
−HK$1,102/mo
Today · 4.125%
HK$42,695
baseline
▲ 0.50% · 4.625%
HK$44,946
+HK$2,251/mo
Deposit HK$5.32M · loan HK$7.98M · min. income ≈ HK$85,390/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$499,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,480
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,801
−HK$1,342/mo
Today · 4.125%
HK$45,143
baseline
▲ 0.50% · 4.625%
HK$47,890
+HK$2,747/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$90,286/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,258
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$48,526
−HK$1,285/mo
Today · 4.125%
HK$49,811
baseline
▲ 0.50% · 4.625%
HK$52,437
+HK$2,626/mo
Deposit HK$3.99M · loan HK$9.31M · min. income ≈ HK$99,622/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,617
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,316
−HK$1,726/mo
Today · 4.125%
HK$58,042
baseline
▲ 0.50% · 4.625%
HK$61,573
+HK$3,531/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$116,084/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,760
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,390
−HK$1,653/mo
Today · 4.125%
HK$64,043
baseline
▲ 0.50% · 4.625%
HK$67,419
+HK$3,376/mo
Deposit HK$1.33M · loan HK$11.98M · min. income ≈ HK$128,086/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$499,000 · Scale 2, in force from 26 Feb 2026)