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$29,539
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,458
−HK$934/mo
Today · 4.125%
HK$31,392
baseline
▲ 0.50% · 4.625%
HK$33,302
+HK$1,910/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,784/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,862
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,743
−HK$895/mo
Today · 4.125%
HK$34,638
baseline
▲ 0.50% · 4.625%
HK$36,463
+HK$1,825/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,276/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,447
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,550
−HK$1,120/mo
Today · 4.125%
HK$37,670
baseline
▲ 0.50% · 4.625%
HK$39,962
+HK$2,292/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,340/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,435
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,492
−HK$1,073/mo
Today · 4.125%
HK$41,565
baseline
▲ 0.50% · 4.625%
HK$43,756
+HK$2,191/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,130/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,355
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,641
−HK$1,307/mo
Today · 4.125%
HK$43,948
baseline
▲ 0.50% · 4.625%
HK$46,622
+HK$2,674/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,896/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,007
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,241
−HK$1,252/mo
Today · 4.125%
HK$48,493
baseline
▲ 0.50% · 4.625%
HK$51,049
+HK$2,556/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$96,986/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,171
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,825
−HK$1,680/mo
Today · 4.125%
HK$56,505
baseline
▲ 0.50% · 4.625%
HK$59,943
+HK$3,438/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$113,010/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,152
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,738
−HK$1,610/mo
Today · 4.125%
HK$62,348
baseline
▲ 0.50% · 4.625%
HK$65,634
+HK$3,286/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,696/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,789 · Scale 2, in force from 26 Feb 2026)