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$30,149
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,086
−HK$953/mo
Today · 4.125%
HK$32,039
baseline
▲ 0.50% · 4.625%
HK$33,989
+HK$1,950/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$64,078/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,540
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,440
−HK$912/mo
Today · 4.125%
HK$35,352
baseline
▲ 0.50% · 4.625%
HK$37,216
+HK$1,864/mo
Deposit HK$6.61M · loan HK$6.61M · min. income ≈ HK$70,704/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$495,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,178
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,304
−HK$1,143/mo
Today · 4.125%
HK$38,447
baseline
▲ 0.50% · 4.625%
HK$40,786
+HK$2,339/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$76,894/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,248
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,327
−HK$1,095/mo
Today · 4.125%
HK$42,422
baseline
▲ 0.50% · 4.625%
HK$44,659
+HK$2,237/mo
Deposit HK$5.29M · loan HK$7.93M · min. income ≈ HK$84,844/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$495,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,208
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$43,521
−HK$1,334/mo
Today · 4.125%
HK$44,855
baseline
▲ 0.50% · 4.625%
HK$47,584
+HK$2,729/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$89,710/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,956
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$48,215
−HK$1,278/mo
Today · 4.125%
HK$49,493
baseline
▲ 0.50% · 4.625%
HK$52,102
+HK$2,609/mo
Deposit HK$3.97M · loan HK$9.26M · min. income ≈ HK$98,986/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$495,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,267
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$55,955
−HK$1,715/mo
Today · 4.125%
HK$57,670
baseline
▲ 0.50% · 4.625%
HK$61,180
+HK$3,510/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$115,340/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,372
−HK$3,262/mo
▼ 0.25% · 3.875%
HK$61,991
−HK$1,643/mo
Today · 4.125%
HK$63,634
baseline
▲ 0.50% · 4.625%
HK$66,988
+HK$3,354/mo
Deposit HK$1.32M · loan HK$11.90M · min. income ≈ HK$127,268/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$495,809 · Scale 2, in force from 26 Feb 2026)