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$29,532
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,451
−HK$933/mo
Today · 4.125%
HK$31,384
baseline
▲ 0.50% · 4.625%
HK$33,294
+HK$1,910/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,768/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,854
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,736
−HK$893/mo
Today · 4.125%
HK$34,629
baseline
▲ 0.50% · 4.625%
HK$36,455
+HK$1,826/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,258/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,439
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,541
−HK$1,120/mo
Today · 4.125%
HK$37,661
baseline
▲ 0.50% · 4.625%
HK$39,953
+HK$2,292/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,322/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,425
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,483
−HK$1,072/mo
Today · 4.125%
HK$41,555
baseline
▲ 0.50% · 4.625%
HK$43,746
+HK$2,191/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,110/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,345
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,631
−HK$1,307/mo
Today · 4.125%
HK$43,938
baseline
▲ 0.50% · 4.625%
HK$46,611
+HK$2,673/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,876/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,996
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,230
−HK$1,251/mo
Today · 4.125%
HK$48,481
baseline
▲ 0.50% · 4.625%
HK$51,037
+HK$2,556/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$96,962/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,158
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,812
−HK$1,680/mo
Today · 4.125%
HK$56,492
baseline
▲ 0.50% · 4.625%
HK$59,929
+HK$3,437/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$112,984/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,138
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,724
−HK$1,609/mo
Today · 4.125%
HK$62,333
baseline
▲ 0.50% · 4.625%
HK$65,619
+HK$3,286/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,666/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,675 · Scale 2, in force from 26 Feb 2026)