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$29,674
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,597
−HK$937/mo
Today · 4.125%
HK$31,534
baseline
▲ 0.50% · 4.625%
HK$33,453
+HK$1,919/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,068/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,012
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,897
−HK$898/mo
Today · 4.125%
HK$34,795
baseline
▲ 0.50% · 4.625%
HK$36,629
+HK$1,834/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,590/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,608
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,716
−HK$1,125/mo
Today · 4.125%
HK$37,841
baseline
▲ 0.50% · 4.625%
HK$40,144
+HK$2,303/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,682/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,614
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,676
−HK$1,078/mo
Today · 4.125%
HK$41,754
baseline
▲ 0.50% · 4.625%
HK$43,955
+HK$2,201/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,508/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,543
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,835
−HK$1,313/mo
Today · 4.125%
HK$44,148
baseline
▲ 0.50% · 4.625%
HK$46,835
+HK$2,687/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$88,296/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,216
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,456
−HK$1,257/mo
Today · 4.125%
HK$48,713
baseline
▲ 0.50% · 4.625%
HK$51,281
+HK$2,568/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$97,426/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,413
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,074
−HK$1,688/mo
Today · 4.125%
HK$56,762
baseline
▲ 0.50% · 4.625%
HK$60,216
+HK$3,454/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,524/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,421
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,015
−HK$1,616/mo
Today · 4.125%
HK$62,631
baseline
▲ 0.50% · 4.625%
HK$65,933
+HK$3,302/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,262/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,999 · Scale 2, in force from 26 Feb 2026)