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$29,550
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,469
−HK$934/mo
Today · 4.125%
HK$31,403
baseline
▲ 0.50% · 4.625%
HK$33,314
+HK$1,911/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,806/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$485,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,874
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,756
−HK$894/mo
Today · 4.125%
HK$34,650
baseline
▲ 0.50% · 4.625%
HK$36,477
+HK$1,827/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,300/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$485,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,460
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,563
−HK$1,121/mo
Today · 4.125%
HK$37,684
baseline
▲ 0.50% · 4.625%
HK$39,977
+HK$2,293/mo
Deposit HK$5.18M · loan HK$7.78M · min. income ≈ HK$75,368/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,449
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,507
−HK$1,074/mo
Today · 4.125%
HK$41,581
baseline
▲ 0.50% · 4.625%
HK$43,772
+HK$2,191/mo
Deposit HK$5.18M · loan HK$7.78M · min. income ≈ HK$83,162/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,370
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,657
−HK$1,308/mo
Today · 4.125%
HK$43,965
baseline
▲ 0.50% · 4.625%
HK$46,640
+HK$2,675/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,930/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,024
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,258
−HK$1,253/mo
Today · 4.125%
HK$48,511
baseline
▲ 0.50% · 4.625%
HK$51,068
+HK$2,557/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$97,022/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,190
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,845
−HK$1,681/mo
Today · 4.125%
HK$56,526
baseline
▲ 0.50% · 4.625%
HK$59,965
+HK$3,439/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$113,052/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,174
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,761
−HK$1,610/mo
Today · 4.125%
HK$62,371
baseline
▲ 0.50% · 4.625%
HK$65,658
+HK$3,287/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,742/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,970 · Scale 2, in force from 26 Feb 2026)