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$29,547
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,466
−HK$934/mo
Today · 4.125%
HK$31,400
baseline
▲ 0.50% · 4.625%
HK$33,310
+HK$1,910/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,800/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,871
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,752
−HK$895/mo
Today · 4.125%
HK$34,647
baseline
▲ 0.50% · 4.625%
HK$36,473
+HK$1,826/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,294/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,456
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,559
−HK$1,121/mo
Today · 4.125%
HK$37,680
baseline
▲ 0.50% · 4.625%
HK$39,973
+HK$2,293/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,360/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,445
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,503
−HK$1,073/mo
Today · 4.125%
HK$41,576
baseline
▲ 0.50% · 4.625%
HK$43,768
+HK$2,192/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,152/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,366
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,653
−HK$1,307/mo
Today · 4.125%
HK$43,960
baseline
▲ 0.50% · 4.625%
HK$46,635
+HK$2,675/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,920/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,019
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,253
−HK$1,252/mo
Today · 4.125%
HK$48,505
baseline
▲ 0.50% · 4.625%
HK$51,062
+HK$2,557/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$97,010/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,185
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,839
−HK$1,681/mo
Today · 4.125%
HK$56,520
baseline
▲ 0.50% · 4.625%
HK$59,959
+HK$3,439/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$113,040/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,167
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,754
−HK$1,610/mo
Today · 4.125%
HK$62,364
baseline
▲ 0.50% · 4.625%
HK$65,651
+HK$3,287/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,728/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,917 · Scale 2, in force from 26 Feb 2026)