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$30,157
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,095
−HK$953/mo
Today · 4.125%
HK$32,048
baseline
▲ 0.50% · 4.625%
HK$33,998
+HK$1,950/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,096/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,549
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,449
−HK$913/mo
Today · 4.125%
HK$35,362
baseline
▲ 0.50% · 4.625%
HK$37,226
+HK$1,864/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,724/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,189
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,314
−HK$1,144/mo
Today · 4.125%
HK$38,458
baseline
▲ 0.50% · 4.625%
HK$40,798
+HK$2,340/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$76,916/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$495,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,259
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,339
−HK$1,095/mo
Today · 4.125%
HK$42,434
baseline
▲ 0.50% · 4.625%
HK$44,671
+HK$2,237/mo
Deposit HK$5.29M · loan HK$7.94M · min. income ≈ HK$84,868/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$495,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,220
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$43,533
−HK$1,335/mo
Today · 4.125%
HK$44,868
baseline
▲ 0.50% · 4.625%
HK$47,598
+HK$2,730/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,736/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,969
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$48,229
−HK$1,278/mo
Today · 4.125%
HK$49,507
baseline
▲ 0.50% · 4.625%
HK$52,116
+HK$2,609/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$99,014/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,283
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$55,971
−HK$1,716/mo
Today · 4.125%
HK$57,687
baseline
▲ 0.50% · 4.625%
HK$61,197
+HK$3,510/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,374/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,389
−HK$3,263/mo
▼ 0.25% · 3.875%
HK$62,009
−HK$1,643/mo
Today · 4.125%
HK$63,652
baseline
▲ 0.50% · 4.625%
HK$67,007
+HK$3,355/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,304/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,950 · Scale 2, in force from 26 Feb 2026)