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$28,701
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,594
−HK$907/mo
Today · 4.125%
HK$30,501
baseline
▲ 0.50% · 4.625%
HK$32,356
+HK$1,855/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$61,002/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$471,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,929
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,786
−HK$868/mo
Today · 4.125%
HK$33,654
baseline
▲ 0.50% · 4.625%
HK$35,428
+HK$1,774/mo
Deposit HK$6.29M · loan HK$6.29M · min. income ≈ HK$67,308/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$471,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,441
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,512
−HK$1,089/mo
Today · 4.125%
HK$36,601
baseline
▲ 0.50% · 4.625%
HK$38,828
+HK$2,227/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$73,202/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$471,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,315
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,343
−HK$1,042/mo
Today · 4.125%
HK$40,385
baseline
▲ 0.50% · 4.625%
HK$42,514
+HK$2,129/mo
Deposit HK$5.03M · loan HK$7.55M · min. income ≈ HK$80,770/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$471,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,181
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,431
−HK$1,270/mo
Today · 4.125%
HK$42,701
baseline
▲ 0.50% · 4.625%
HK$45,299
+HK$2,598/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$85,402/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,701
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,900
−HK$1,216/mo
Today · 4.125%
HK$47,116
baseline
▲ 0.50% · 4.625%
HK$49,600
+HK$2,484/mo
Deposit HK$3.78M · loan HK$8.81M · min. income ≈ HK$94,232/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$471,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,661
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$53,268
−HK$1,633/mo
Today · 4.125%
HK$54,901
baseline
▲ 0.50% · 4.625%
HK$58,242
+HK$3,341/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$109,802/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,473
−HK$3,105/mo
▼ 0.25% · 3.875%
HK$59,014
−HK$1,564/mo
Today · 4.125%
HK$60,578
baseline
▲ 0.50% · 4.625%
HK$63,771
+HK$3,193/mo
Deposit HK$1.26M · loan HK$11.33M · min. income ≈ HK$121,156/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$471,999 · Scale 2, in force from 26 Feb 2026)