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$29,531
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,450
−HK$933/mo
Today · 4.125%
HK$31,383
baseline
▲ 0.50% · 4.625%
HK$33,293
+HK$1,910/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,766/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,853
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,734
−HK$894/mo
Today · 4.125%
HK$34,628
baseline
▲ 0.50% · 4.625%
HK$36,453
+HK$1,825/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,256/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,437
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,540
−HK$1,120/mo
Today · 4.125%
HK$37,660
baseline
▲ 0.50% · 4.625%
HK$39,951
+HK$2,291/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,320/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,424
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,481
−HK$1,073/mo
Today · 4.125%
HK$41,554
baseline
▲ 0.50% · 4.625%
HK$43,744
+HK$2,190/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,108/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,344
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,630
−HK$1,306/mo
Today · 4.125%
HK$43,936
baseline
▲ 0.50% · 4.625%
HK$46,610
+HK$2,674/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,872/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,995
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,228
−HK$1,251/mo
Today · 4.125%
HK$48,479
baseline
▲ 0.50% · 4.625%
HK$51,035
+HK$2,556/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$96,958/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,156
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,810
−HK$1,680/mo
Today · 4.125%
HK$56,490
baseline
▲ 0.50% · 4.625%
HK$59,927
+HK$3,437/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$112,980/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,136
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,722
−HK$1,609/mo
Today · 4.125%
HK$62,331
baseline
▲ 0.50% · 4.625%
HK$65,616
+HK$3,285/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,662/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,657 · Scale 2, in force from 26 Feb 2026)