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$29,544
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,463
−HK$934/mo
Today · 4.125%
HK$31,397
baseline
▲ 0.50% · 4.625%
HK$33,307
+HK$1,910/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,794/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,868
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,749
−HK$894/mo
Today · 4.125%
HK$34,643
baseline
▲ 0.50% · 4.625%
HK$36,469
+HK$1,826/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,286/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,453
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,556
−HK$1,120/mo
Today · 4.125%
HK$37,676
baseline
▲ 0.50% · 4.625%
HK$39,969
+HK$2,293/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,352/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,441
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,499
−HK$1,073/mo
Today · 4.125%
HK$41,572
baseline
▲ 0.50% · 4.625%
HK$43,763
+HK$2,191/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,144/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,362
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,648
−HK$1,308/mo
Today · 4.125%
HK$43,956
baseline
▲ 0.50% · 4.625%
HK$46,630
+HK$2,674/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,912/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,015
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,249
−HK$1,252/mo
Today · 4.125%
HK$48,501
baseline
▲ 0.50% · 4.625%
HK$51,057
+HK$2,556/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$97,002/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,180
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,834
−HK$1,680/mo
Today · 4.125%
HK$56,514
baseline
▲ 0.50% · 4.625%
HK$59,953
+HK$3,439/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$113,028/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,162
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,748
−HK$1,610/mo
Today · 4.125%
HK$62,358
baseline
▲ 0.50% · 4.625%
HK$65,645
+HK$3,287/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,716/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,870 · Scale 2, in force from 26 Feb 2026)