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$29,601
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,521
−HK$936/mo
Today · 4.125%
HK$31,457
baseline
▲ 0.50% · 4.625%
HK$33,371
+HK$1,914/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$62,914/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,931
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,814
−HK$896/mo
Today · 4.125%
HK$34,710
baseline
▲ 0.50% · 4.625%
HK$36,539
+HK$1,829/mo
Deposit HK$6.49M · loan HK$6.49M · min. income ≈ HK$69,420/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$486,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,521
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,626
−HK$1,122/mo
Today · 4.125%
HK$37,748
baseline
▲ 0.50% · 4.625%
HK$40,045
+HK$2,297/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$75,496/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,517
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,576
−HK$1,076/mo
Today · 4.125%
HK$41,652
baseline
▲ 0.50% · 4.625%
HK$43,847
+HK$2,195/mo
Deposit HK$5.19M · loan HK$7.79M · min. income ≈ HK$83,304/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$486,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,441
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,730
−HK$1,310/mo
Today · 4.125%
HK$44,040
baseline
▲ 0.50% · 4.625%
HK$46,719
+HK$2,679/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$88,080/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,103
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,339
−HK$1,254/mo
Today · 4.125%
HK$48,593
baseline
▲ 0.50% · 4.625%
HK$51,155
+HK$2,562/mo
Deposit HK$3.89M · loan HK$9.09M · min. income ≈ HK$97,186/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,281
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,939
−HK$1,684/mo
Today · 4.125%
HK$56,623
baseline
▲ 0.50% · 4.625%
HK$60,068
+HK$3,445/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$113,246/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,275
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,865
−HK$1,612/mo
Today · 4.125%
HK$62,477
baseline
▲ 0.50% · 4.625%
HK$65,771
+HK$3,294/mo
Deposit HK$1.30M · loan HK$11.68M · min. income ≈ HK$124,954/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,800 · Scale 2, in force from 26 Feb 2026)