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$29,544
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,463
−HK$934/mo
Today · 4.125%
HK$31,397
baseline
▲ 0.50% · 4.625%
HK$33,308
+HK$1,911/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,794/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,868
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,749
−HK$895/mo
Today · 4.125%
HK$34,644
baseline
▲ 0.50% · 4.625%
HK$36,470
+HK$1,826/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,288/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,453
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,556
−HK$1,120/mo
Today · 4.125%
HK$37,676
baseline
▲ 0.50% · 4.625%
HK$39,969
+HK$2,293/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,352/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,441
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,499
−HK$1,073/mo
Today · 4.125%
HK$41,572
baseline
▲ 0.50% · 4.625%
HK$43,764
+HK$2,192/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,144/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,362
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,649
−HK$1,307/mo
Today · 4.125%
HK$43,956
baseline
▲ 0.50% · 4.625%
HK$46,631
+HK$2,675/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,912/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,015
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,249
−HK$1,252/mo
Today · 4.125%
HK$48,501
baseline
▲ 0.50% · 4.625%
HK$51,058
+HK$2,557/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$97,002/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,180
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,834
−HK$1,681/mo
Today · 4.125%
HK$56,515
baseline
▲ 0.50% · 4.625%
HK$59,954
+HK$3,439/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$113,030/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,162
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,749
−HK$1,609/mo
Today · 4.125%
HK$62,358
baseline
▲ 0.50% · 4.625%
HK$65,645
+HK$3,287/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,716/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,873 · Scale 2, in force from 26 Feb 2026)