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$29,538
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,457
−HK$934/mo
Today · 4.125%
HK$31,391
baseline
▲ 0.50% · 4.625%
HK$33,301
+HK$1,910/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,782/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,861
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,743
−HK$894/mo
Today · 4.125%
HK$34,637
baseline
▲ 0.50% · 4.625%
HK$36,462
+HK$1,825/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,274/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,446
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,549
−HK$1,120/mo
Today · 4.125%
HK$37,669
baseline
▲ 0.50% · 4.625%
HK$39,961
+HK$2,292/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,338/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,434
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,491
−HK$1,073/mo
Today · 4.125%
HK$41,564
baseline
▲ 0.50% · 4.625%
HK$43,755
+HK$2,191/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,128/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,354
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,640
−HK$1,307/mo
Today · 4.125%
HK$43,947
baseline
▲ 0.50% · 4.625%
HK$46,621
+HK$2,674/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,894/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,006
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,240
−HK$1,251/mo
Today · 4.125%
HK$48,491
baseline
▲ 0.50% · 4.625%
HK$51,047
+HK$2,556/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$96,982/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,169
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,823
−HK$1,680/mo
Today · 4.125%
HK$56,503
baseline
▲ 0.50% · 4.625%
HK$59,942
+HK$3,439/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$113,006/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,150
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,737
−HK$1,609/mo
Today · 4.125%
HK$62,346
baseline
▲ 0.50% · 4.625%
HK$65,632
+HK$3,286/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,692/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,776 · Scale 2, in force from 26 Feb 2026)