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$29,492
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,410
−HK$932/mo
Today · 4.125%
HK$31,342
baseline
▲ 0.50% · 4.625%
HK$33,249
+HK$1,907/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,684/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$485,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,810
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,690
−HK$893/mo
Today · 4.125%
HK$34,583
baseline
▲ 0.50% · 4.625%
HK$36,406
+HK$1,823/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,166/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$485,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,391
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,492
−HK$1,118/mo
Today · 4.125%
HK$37,610
baseline
▲ 0.50% · 4.625%
HK$39,899
+HK$2,289/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,220/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,372
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,428
−HK$1,071/mo
Today · 4.125%
HK$41,499
baseline
▲ 0.50% · 4.625%
HK$43,687
+HK$2,188/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$82,998/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,289
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,574
−HK$1,305/mo
Today · 4.125%
HK$43,879
baseline
▲ 0.50% · 4.625%
HK$46,548
+HK$2,669/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,758/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,934
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,166
−HK$1,250/mo
Today · 4.125%
HK$48,416
baseline
▲ 0.50% · 4.625%
HK$50,968
+HK$2,552/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,832/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,086
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,738
−HK$1,677/mo
Today · 4.125%
HK$56,415
baseline
▲ 0.50% · 4.625%
HK$59,848
+HK$3,433/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,830/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,058
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,642
−HK$1,607/mo
Today · 4.125%
HK$62,249
baseline
▲ 0.50% · 4.625%
HK$65,530
+HK$3,281/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,498/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,018 · Scale 2, in force from 26 Feb 2026)