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$29,537
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,456
−HK$934/mo
Today · 4.125%
HK$31,390
baseline
▲ 0.50% · 4.625%
HK$33,300
+HK$1,910/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,780/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,860
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,741
−HK$894/mo
Today · 4.125%
HK$34,635
baseline
▲ 0.50% · 4.625%
HK$36,461
+HK$1,826/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,270/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,445
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,547
−HK$1,120/mo
Today · 4.125%
HK$37,667
baseline
▲ 0.50% · 4.625%
HK$39,959
+HK$2,292/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,334/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,432
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,489
−HK$1,073/mo
Today · 4.125%
HK$41,562
baseline
▲ 0.50% · 4.625%
HK$43,753
+HK$2,191/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,124/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,352
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,638
−HK$1,307/mo
Today · 4.125%
HK$43,945
baseline
▲ 0.50% · 4.625%
HK$46,619
+HK$2,674/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,890/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,004
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,238
−HK$1,251/mo
Today · 4.125%
HK$48,489
baseline
▲ 0.50% · 4.625%
HK$51,045
+HK$2,556/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$96,978/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,167
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,821
−HK$1,680/mo
Today · 4.125%
HK$56,501
baseline
▲ 0.50% · 4.625%
HK$59,939
+HK$3,438/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$113,002/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,148
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,734
−HK$1,609/mo
Today · 4.125%
HK$62,343
baseline
▲ 0.50% · 4.625%
HK$65,630
+HK$3,287/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,686/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,756 · Scale 2, in force from 26 Feb 2026)