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$29,548
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,467
−HK$934/mo
Today · 4.125%
HK$31,401
baseline
▲ 0.50% · 4.625%
HK$33,311
+HK$1,910/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,802/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,872
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,753
−HK$895/mo
Today · 4.125%
HK$34,648
baseline
▲ 0.50% · 4.625%
HK$36,474
+HK$1,826/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,296/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,457
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,560
−HK$1,121/mo
Today · 4.125%
HK$37,681
baseline
▲ 0.50% · 4.625%
HK$39,974
+HK$2,293/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,362/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,446
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,504
−HK$1,073/mo
Today · 4.125%
HK$41,577
baseline
▲ 0.50% · 4.625%
HK$43,769
+HK$2,192/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,154/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,367
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,654
−HK$1,307/mo
Today · 4.125%
HK$43,961
baseline
▲ 0.50% · 4.625%
HK$46,636
+HK$2,675/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,922/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,020
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,255
−HK$1,252/mo
Today · 4.125%
HK$48,507
baseline
▲ 0.50% · 4.625%
HK$51,064
+HK$2,557/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$97,014/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,186
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,841
−HK$1,680/mo
Today · 4.125%
HK$56,521
baseline
▲ 0.50% · 4.625%
HK$59,961
+HK$3,440/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$113,042/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,169
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,756
−HK$1,610/mo
Today · 4.125%
HK$62,366
baseline
▲ 0.50% · 4.625%
HK$65,653
+HK$3,287/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,732/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,930 · Scale 2, in force from 26 Feb 2026)