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$29,542
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,461
−HK$934/mo
Today · 4.125%
HK$31,395
baseline
▲ 0.50% · 4.625%
HK$33,305
+HK$1,910/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,790/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,866
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,747
−HK$894/mo
Today · 4.125%
HK$34,641
baseline
▲ 0.50% · 4.625%
HK$36,467
+HK$1,826/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,282/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,451
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,554
−HK$1,120/mo
Today · 4.125%
HK$37,674
baseline
▲ 0.50% · 4.625%
HK$39,966
+HK$2,292/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,348/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,439
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,496
−HK$1,073/mo
Today · 4.125%
HK$41,569
baseline
▲ 0.50% · 4.625%
HK$43,761
+HK$2,192/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,138/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,359
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,646
−HK$1,307/mo
Today · 4.125%
HK$43,953
baseline
▲ 0.50% · 4.625%
HK$46,627
+HK$2,674/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,906/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,012
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,246
−HK$1,252/mo
Today · 4.125%
HK$48,498
baseline
▲ 0.50% · 4.625%
HK$51,054
+HK$2,556/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$96,996/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,176
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,830
−HK$1,681/mo
Today · 4.125%
HK$56,511
baseline
▲ 0.50% · 4.625%
HK$59,949
+HK$3,438/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$113,022/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,158
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,745
−HK$1,609/mo
Today · 4.125%
HK$62,354
baseline
▲ 0.50% · 4.625%
HK$65,641
+HK$3,287/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,708/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,840 · Scale 2, in force from 26 Feb 2026)