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$30,146
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,083
−HK$953/mo
Today · 4.125%
HK$32,036
baseline
▲ 0.50% · 4.625%
HK$33,985
+HK$1,949/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,072/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,537
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,436
−HK$912/mo
Today · 4.125%
HK$35,348
baseline
▲ 0.50% · 4.625%
HK$37,212
+HK$1,864/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,696/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,175
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,300
−HK$1,143/mo
Today · 4.125%
HK$38,443
baseline
▲ 0.50% · 4.625%
HK$40,782
+HK$2,339/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,886/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,244
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,323
−HK$1,095/mo
Today · 4.125%
HK$42,418
baseline
▲ 0.50% · 4.625%
HK$44,654
+HK$2,236/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,836/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,204
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,516
−HK$1,334/mo
Today · 4.125%
HK$44,850
baseline
▲ 0.50% · 4.625%
HK$47,579
+HK$2,729/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$89,700/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,951
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,210
−HK$1,278/mo
Today · 4.125%
HK$49,488
baseline
▲ 0.50% · 4.625%
HK$52,096
+HK$2,608/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$98,976/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,262
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,950
−HK$1,715/mo
Today · 4.125%
HK$57,665
baseline
▲ 0.50% · 4.625%
HK$61,173
+HK$3,508/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,330/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,366
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,985
−HK$1,642/mo
Today · 4.125%
HK$63,627
baseline
▲ 0.50% · 4.625%
HK$66,981
+HK$3,354/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,254/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,759 · Scale 2, in force from 26 Feb 2026)