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$29,537
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,456
−HK$933/mo
Today · 4.125%
HK$31,389
baseline
▲ 0.50% · 4.625%
HK$33,299
+HK$1,910/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,778/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,859
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,741
−HK$894/mo
Today · 4.125%
HK$34,635
baseline
▲ 0.50% · 4.625%
HK$36,460
+HK$1,825/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,270/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,444
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,547
−HK$1,120/mo
Today · 4.125%
HK$37,667
baseline
▲ 0.50% · 4.625%
HK$39,959
+HK$2,292/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,334/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,431
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,489
−HK$1,073/mo
Today · 4.125%
HK$41,562
baseline
▲ 0.50% · 4.625%
HK$43,752
+HK$2,190/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,124/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,352
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,638
−HK$1,307/mo
Today · 4.125%
HK$43,945
baseline
▲ 0.50% · 4.625%
HK$46,619
+HK$2,674/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,890/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,003
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,237
−HK$1,252/mo
Today · 4.125%
HK$48,489
baseline
▲ 0.50% · 4.625%
HK$51,045
+HK$2,556/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$96,978/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,166
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,820
−HK$1,680/mo
Today · 4.125%
HK$56,500
baseline
▲ 0.50% · 4.625%
HK$59,938
+HK$3,438/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$113,000/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,147
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,733
−HK$1,609/mo
Today · 4.125%
HK$62,342
baseline
▲ 0.50% · 4.625%
HK$65,629
+HK$3,287/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,684/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,749 · Scale 2, in force from 26 Feb 2026)