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$29,552
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,471
−HK$934/mo
Today · 4.125%
HK$31,405
baseline
▲ 0.50% · 4.625%
HK$33,316
+HK$1,911/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,810/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$485,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,876
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,757
−HK$895/mo
Today · 4.125%
HK$34,652
baseline
▲ 0.50% · 4.625%
HK$36,478
+HK$1,826/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,304/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$485,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,462
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,565
−HK$1,121/mo
Today · 4.125%
HK$37,686
baseline
▲ 0.50% · 4.625%
HK$39,979
+HK$2,293/mo
Deposit HK$5.18M · loan HK$7.78M · min. income ≈ HK$75,372/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,451
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,509
−HK$1,073/mo
Today · 4.125%
HK$41,582
baseline
▲ 0.50% · 4.625%
HK$43,774
+HK$2,192/mo
Deposit HK$5.18M · loan HK$7.78M · min. income ≈ HK$83,164/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,372
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,659
−HK$1,308/mo
Today · 4.125%
HK$43,967
baseline
▲ 0.50% · 4.625%
HK$46,642
+HK$2,675/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,934/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,026
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,260
−HK$1,253/mo
Today · 4.125%
HK$48,513
baseline
▲ 0.50% · 4.625%
HK$51,070
+HK$2,557/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$97,026/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,193
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,847
−HK$1,681/mo
Today · 4.125%
HK$56,528
baseline
▲ 0.50% · 4.625%
HK$59,968
+HK$3,440/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$113,056/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,176
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,763
−HK$1,610/mo
Today · 4.125%
HK$62,373
baseline
▲ 0.50% · 4.625%
HK$65,661
+HK$3,288/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,746/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,990 · Scale 2, in force from 26 Feb 2026)