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$29,535
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,454
−HK$933/mo
Today · 4.125%
HK$31,387
baseline
▲ 0.50% · 4.625%
HK$33,297
+HK$1,910/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,774/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,858
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,739
−HK$894/mo
Today · 4.125%
HK$34,633
baseline
▲ 0.50% · 4.625%
HK$36,458
+HK$1,825/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,266/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,442
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,545
−HK$1,120/mo
Today · 4.125%
HK$37,665
baseline
▲ 0.50% · 4.625%
HK$39,957
+HK$2,292/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,330/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,429
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,487
−HK$1,072/mo
Today · 4.125%
HK$41,559
baseline
▲ 0.50% · 4.625%
HK$43,750
+HK$2,191/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,118/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,349
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,635
−HK$1,307/mo
Today · 4.125%
HK$43,942
baseline
▲ 0.50% · 4.625%
HK$46,616
+HK$2,674/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,884/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,001
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,234
−HK$1,252/mo
Today · 4.125%
HK$48,486
baseline
▲ 0.50% · 4.625%
HK$51,042
+HK$2,556/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$96,972/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,163
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,817
−HK$1,680/mo
Today · 4.125%
HK$56,497
baseline
▲ 0.50% · 4.625%
HK$59,935
+HK$3,438/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$112,994/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,144
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,730
−HK$1,609/mo
Today · 4.125%
HK$62,339
baseline
▲ 0.50% · 4.625%
HK$65,625
+HK$3,286/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,678/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,722 · Scale 2, in force from 26 Feb 2026)