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$29,551
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,470
−HK$934/mo
Today · 4.125%
HK$31,404
baseline
▲ 0.50% · 4.625%
HK$33,315
+HK$1,911/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,808/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$485,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,875
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,757
−HK$894/mo
Today · 4.125%
HK$34,651
baseline
▲ 0.50% · 4.625%
HK$36,478
+HK$1,827/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,302/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$485,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,461
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,564
−HK$1,121/mo
Today · 4.125%
HK$37,685
baseline
▲ 0.50% · 4.625%
HK$39,978
+HK$2,293/mo
Deposit HK$5.18M · loan HK$7.78M · min. income ≈ HK$75,370/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,450
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,508
−HK$1,073/mo
Today · 4.125%
HK$41,581
baseline
▲ 0.50% · 4.625%
HK$43,773
+HK$2,192/mo
Deposit HK$5.18M · loan HK$7.78M · min. income ≈ HK$83,162/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,371
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,658
−HK$1,307/mo
Today · 4.125%
HK$43,965
baseline
▲ 0.50% · 4.625%
HK$46,641
+HK$2,676/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,930/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,025
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,259
−HK$1,252/mo
Today · 4.125%
HK$48,511
baseline
▲ 0.50% · 4.625%
HK$51,069
+HK$2,558/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$97,022/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,191
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,846
−HK$1,681/mo
Today · 4.125%
HK$56,527
baseline
▲ 0.50% · 4.625%
HK$59,966
+HK$3,439/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$113,054/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,175
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,762
−HK$1,610/mo
Today · 4.125%
HK$62,372
baseline
▲ 0.50% · 4.625%
HK$65,660
+HK$3,288/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,744/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,978 · Scale 2, in force from 26 Feb 2026)