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$29,542
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,460
−HK$934/mo
Today · 4.125%
HK$31,394
baseline
▲ 0.50% · 4.625%
HK$33,304
+HK$1,910/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,788/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,865
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,746
−HK$894/mo
Today · 4.125%
HK$34,640
baseline
▲ 0.50% · 4.625%
HK$36,466
+HK$1,826/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,280/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,450
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,553
−HK$1,120/mo
Today · 4.125%
HK$37,673
baseline
▲ 0.50% · 4.625%
HK$39,965
+HK$2,292/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,346/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,438
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,495
−HK$1,073/mo
Today · 4.125%
HK$41,568
baseline
▲ 0.50% · 4.625%
HK$43,759
+HK$2,191/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,136/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,358
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,645
−HK$1,307/mo
Today · 4.125%
HK$43,952
baseline
▲ 0.50% · 4.625%
HK$46,626
+HK$2,674/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,904/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,010
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,244
−HK$1,252/mo
Today · 4.125%
HK$48,496
baseline
▲ 0.50% · 4.625%
HK$51,053
+HK$2,557/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$96,992/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,175
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,829
−HK$1,680/mo
Today · 4.125%
HK$56,509
baseline
▲ 0.50% · 4.625%
HK$59,948
+HK$3,439/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$113,018/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,156
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,743
−HK$1,609/mo
Today · 4.125%
HK$62,352
baseline
▲ 0.50% · 4.625%
HK$65,639
+HK$3,287/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,704/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,826 · Scale 2, in force from 26 Feb 2026)