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$29,552
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,472
−HK$934/mo
Today · 4.125%
HK$31,406
baseline
▲ 0.50% · 4.625%
HK$33,317
+HK$1,911/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,812/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,877
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,758
−HK$895/mo
Today · 4.125%
HK$34,653
baseline
▲ 0.50% · 4.625%
HK$36,480
+HK$1,827/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,306/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,463
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$36,566
−HK$1,121/mo
Today · 4.125%
HK$37,687
baseline
▲ 0.50% · 4.625%
HK$39,980
+HK$2,293/mo
Deposit HK$5.18M · loan HK$7.78M · min. income ≈ HK$75,374/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,452
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,510
−HK$1,074/mo
Today · 4.125%
HK$41,584
baseline
▲ 0.50% · 4.625%
HK$43,775
+HK$2,191/mo
Deposit HK$5.18M · loan HK$7.78M · min. income ≈ HK$83,168/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,373
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,660
−HK$1,308/mo
Today · 4.125%
HK$43,968
baseline
▲ 0.50% · 4.625%
HK$46,643
+HK$2,675/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,936/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$486,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,027
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,262
−HK$1,252/mo
Today · 4.125%
HK$48,514
baseline
▲ 0.50% · 4.625%
HK$51,071
+HK$2,557/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$97,028/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$486,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,194
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,849
−HK$1,681/mo
Today · 4.125%
HK$56,530
baseline
▲ 0.50% · 4.625%
HK$59,970
+HK$3,440/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$113,060/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,178
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,765
−HK$1,610/mo
Today · 4.125%
HK$62,375
baseline
▲ 0.50% · 4.625%
HK$65,663
+HK$3,288/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,750/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,005 · Scale 2, in force from 26 Feb 2026)