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$1,852/mo
▼ 0.25% · 3.875%
HK$30,465
−HK$933/mo
Today · 4.125%
HK$31,398
baseline
▲ 0.50% · 4.625%
HK$33,309
+HK$1,911/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,796/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,869
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,751
−HK$894/mo
Today · 4.125%
HK$34,645
baseline
▲ 0.50% · 4.625%
HK$36,471
+HK$1,826/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,290/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,455
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,557
−HK$1,121/mo
Today · 4.125%
HK$37,678
baseline
▲ 0.50% · 4.625%
HK$39,971
+HK$2,293/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,356/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,443
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,501
−HK$1,073/mo
Today · 4.125%
HK$41,574
baseline
▲ 0.50% · 4.625%
HK$43,765
+HK$2,191/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,148/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,364
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,650
−HK$1,308/mo
Today · 4.125%
HK$43,958
baseline
▲ 0.50% · 4.625%
HK$46,632
+HK$2,674/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,916/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,017
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,251
−HK$1,252/mo
Today · 4.125%
HK$48,503
baseline
▲ 0.50% · 4.625%
HK$51,060
+HK$2,557/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$97,006/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,182
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,836
−HK$1,681/mo
Today · 4.125%
HK$56,517
baseline
▲ 0.50% · 4.625%
HK$59,956
+HK$3,439/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$113,034/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,164
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,751
−HK$1,610/mo
Today · 4.125%
HK$62,361
baseline
▲ 0.50% · 4.625%
HK$65,648
+HK$3,287/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,722/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,892 · Scale 2, in force from 26 Feb 2026)