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$29,534
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,453
−HK$933/mo
Today · 4.125%
HK$31,386
baseline
▲ 0.50% · 4.625%
HK$33,296
+HK$1,910/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,772/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,856
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,737
−HK$894/mo
Today · 4.125%
HK$34,631
baseline
▲ 0.50% · 4.625%
HK$36,457
+HK$1,826/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,262/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,441
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,543
−HK$1,120/mo
Today · 4.125%
HK$37,663
baseline
▲ 0.50% · 4.625%
HK$39,955
+HK$2,292/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,326/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,427
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,485
−HK$1,073/mo
Today · 4.125%
HK$41,558
baseline
▲ 0.50% · 4.625%
HK$43,748
+HK$2,190/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,116/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,347
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,634
−HK$1,306/mo
Today · 4.125%
HK$43,940
baseline
▲ 0.50% · 4.625%
HK$46,614
+HK$2,674/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,880/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,999
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,232
−HK$1,252/mo
Today · 4.125%
HK$48,484
baseline
▲ 0.50% · 4.625%
HK$51,039
+HK$2,555/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$96,968/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,161
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,815
−HK$1,680/mo
Today · 4.125%
HK$56,495
baseline
▲ 0.50% · 4.625%
HK$59,932
+HK$3,437/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$112,990/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,141
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,727
−HK$1,609/mo
Today · 4.125%
HK$62,336
baseline
▲ 0.50% · 4.625%
HK$65,622
+HK$3,286/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,672/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,700 · Scale 2, in force from 26 Feb 2026)