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$29,351
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,264
−HK$928/mo
Today · 4.125%
HK$31,192
baseline
▲ 0.50% · 4.625%
HK$33,090
+HK$1,898/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,384/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,653
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,529
−HK$888/mo
Today · 4.125%
HK$34,417
baseline
▲ 0.50% · 4.625%
HK$36,232
+HK$1,815/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,834/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,222
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,317
−HK$1,113/mo
Today · 4.125%
HK$37,430
baseline
▲ 0.50% · 4.625%
HK$39,708
+HK$2,278/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,860/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,184
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,235
−HK$1,066/mo
Today · 4.125%
HK$41,301
baseline
▲ 0.50% · 4.625%
HK$43,478
+HK$2,177/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,602/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,092
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,370
−HK$1,299/mo
Today · 4.125%
HK$43,669
baseline
▲ 0.50% · 4.625%
HK$46,326
+HK$2,657/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,338/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,714
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,940
−HK$1,244/mo
Today · 4.125%
HK$48,184
baseline
▲ 0.50% · 4.625%
HK$50,724
+HK$2,540/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,368/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,833
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,476
−HK$1,670/mo
Today · 4.125%
HK$56,146
baseline
▲ 0.50% · 4.625%
HK$59,562
+HK$3,416/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$112,292/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,776
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,352
−HK$1,599/mo
Today · 4.125%
HK$61,951
baseline
▲ 0.50% · 4.625%
HK$65,217
+HK$3,266/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$123,902/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,700 · Scale 2, in force from 26 Feb 2026)