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$29,545
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,464
−HK$934/mo
Today · 4.125%
HK$31,398
baseline
▲ 0.50% · 4.625%
HK$33,308
+HK$1,910/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$485,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,868
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,750
−HK$894/mo
Today · 4.125%
HK$34,644
baseline
▲ 0.50% · 4.625%
HK$36,470
+HK$1,826/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,288/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,454
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,557
−HK$1,120/mo
Today · 4.125%
HK$37,677
baseline
▲ 0.50% · 4.625%
HK$39,970
+HK$2,293/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,354/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,442
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,500
−HK$1,073/mo
Today · 4.125%
HK$41,573
baseline
▲ 0.50% · 4.625%
HK$43,764
+HK$2,191/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,146/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,363
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,649
−HK$1,308/mo
Today · 4.125%
HK$43,957
baseline
▲ 0.50% · 4.625%
HK$46,631
+HK$2,674/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,914/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,016
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,250
−HK$1,252/mo
Today · 4.125%
HK$48,502
baseline
▲ 0.50% · 4.625%
HK$51,058
+HK$2,556/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$97,004/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,181
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,835
−HK$1,681/mo
Today · 4.125%
HK$56,516
baseline
▲ 0.50% · 4.625%
HK$59,954
+HK$3,438/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$113,032/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,163
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,750
−HK$1,609/mo
Today · 4.125%
HK$62,359
baseline
▲ 0.50% · 4.625%
HK$65,646
+HK$3,287/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,718/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,881 · Scale 2, in force from 26 Feb 2026)