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$30,144
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,082
−HK$952/mo
Today · 4.125%
HK$32,034
baseline
▲ 0.50% · 4.625%
HK$33,984
+HK$1,950/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,068/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,535
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,434
−HK$913/mo
Today · 4.125%
HK$35,347
baseline
▲ 0.50% · 4.625%
HK$37,210
+HK$1,863/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,694/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,173
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,298
−HK$1,143/mo
Today · 4.125%
HK$38,441
baseline
▲ 0.50% · 4.625%
HK$40,780
+HK$2,339/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,882/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,242
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,321
−HK$1,095/mo
Today · 4.125%
HK$42,416
baseline
▲ 0.50% · 4.625%
HK$44,652
+HK$2,236/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,832/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,202
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$43,514
−HK$1,334/mo
Today · 4.125%
HK$44,848
baseline
▲ 0.50% · 4.625%
HK$47,577
+HK$2,729/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$89,696/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,949
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,208
−HK$1,278/mo
Today · 4.125%
HK$49,486
baseline
▲ 0.50% · 4.625%
HK$52,094
+HK$2,608/mo
Deposit HK$3.97M · loan HK$9.25M · min. income ≈ HK$98,972/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,259
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,947
−HK$1,715/mo
Today · 4.125%
HK$57,662
baseline
▲ 0.50% · 4.625%
HK$61,171
+HK$3,509/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,324/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,363
−HK$3,261/mo
▼ 0.25% · 3.875%
HK$61,982
−HK$1,642/mo
Today · 4.125%
HK$63,624
baseline
▲ 0.50% · 4.625%
HK$66,978
+HK$3,354/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,248/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,736 · Scale 2, in force from 26 Feb 2026)