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$29,540
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,459
−HK$934/mo
Today · 4.125%
HK$31,393
baseline
▲ 0.50% · 4.625%
HK$33,303
+HK$1,910/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,786/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,863
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,745
−HK$894/mo
Today · 4.125%
HK$34,639
baseline
▲ 0.50% · 4.625%
HK$36,465
+HK$1,826/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,278/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,449
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,551
−HK$1,120/mo
Today · 4.125%
HK$37,671
baseline
▲ 0.50% · 4.625%
HK$39,964
+HK$2,293/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,342/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,436
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,494
−HK$1,073/mo
Today · 4.125%
HK$41,567
baseline
▲ 0.50% · 4.625%
HK$43,758
+HK$2,191/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,134/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,357
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,643
−HK$1,307/mo
Today · 4.125%
HK$43,950
baseline
▲ 0.50% · 4.625%
HK$46,624
+HK$2,674/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,900/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,009
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,243
−HK$1,251/mo
Today · 4.125%
HK$48,494
baseline
▲ 0.50% · 4.625%
HK$51,051
+HK$2,557/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$96,988/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,173
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,827
−HK$1,680/mo
Today · 4.125%
HK$56,507
baseline
▲ 0.50% · 4.625%
HK$59,945
+HK$3,438/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$113,014/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,154
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,741
−HK$1,609/mo
Today · 4.125%
HK$62,350
baseline
▲ 0.50% · 4.625%
HK$65,637
+HK$3,287/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,700/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,808 · Scale 2, in force from 26 Feb 2026)