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$29,546
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,465
−HK$934/mo
Today · 4.125%
HK$31,399
baseline
▲ 0.50% · 4.625%
HK$33,310
+HK$1,911/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,798/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,870
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,751
−HK$895/mo
Today · 4.125%
HK$34,646
baseline
▲ 0.50% · 4.625%
HK$36,472
+HK$1,826/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,292/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,455
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,558
−HK$1,121/mo
Today · 4.125%
HK$37,679
baseline
▲ 0.50% · 4.625%
HK$39,972
+HK$2,293/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,358/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,444
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,502
−HK$1,073/mo
Today · 4.125%
HK$41,575
baseline
▲ 0.50% · 4.625%
HK$43,766
+HK$2,191/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,150/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,365
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,651
−HK$1,308/mo
Today · 4.125%
HK$43,959
baseline
▲ 0.50% · 4.625%
HK$46,633
+HK$2,674/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,918/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,018
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,252
−HK$1,252/mo
Today · 4.125%
HK$48,504
baseline
▲ 0.50% · 4.625%
HK$51,061
+HK$2,557/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$97,008/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,183
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,838
−HK$1,680/mo
Today · 4.125%
HK$56,518
baseline
▲ 0.50% · 4.625%
HK$59,957
+HK$3,439/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$113,036/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,166
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,753
−HK$1,609/mo
Today · 4.125%
HK$62,362
baseline
▲ 0.50% · 4.625%
HK$65,650
+HK$3,288/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,724/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,904 · Scale 2, in force from 26 Feb 2026)