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$29,563
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,482
−HK$935/mo
Today · 4.125%
HK$31,417
baseline
▲ 0.50% · 4.625%
HK$33,328
+HK$1,911/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,834/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,888
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,770
−HK$895/mo
Today · 4.125%
HK$34,665
baseline
▲ 0.50% · 4.625%
HK$36,492
+HK$1,827/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,330/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$486,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,475
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,579
−HK$1,121/mo
Today · 4.125%
HK$37,700
baseline
▲ 0.50% · 4.625%
HK$39,994
+HK$2,294/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$75,400/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,466
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$40,524
−HK$1,074/mo
Today · 4.125%
HK$41,598
baseline
▲ 0.50% · 4.625%
HK$43,791
+HK$2,193/mo
Deposit HK$5.19M · loan HK$7.78M · min. income ≈ HK$83,196/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$486,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,388
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,675
−HK$1,308/mo
Today · 4.125%
HK$43,983
baseline
▲ 0.50% · 4.625%
HK$46,659
+HK$2,676/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$87,966/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,044
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,278
−HK$1,253/mo
Today · 4.125%
HK$48,531
baseline
▲ 0.50% · 4.625%
HK$51,089
+HK$2,558/mo
Deposit HK$3.89M · loan HK$9.08M · min. income ≈ HK$97,062/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,213
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,868
−HK$1,682/mo
Today · 4.125%
HK$56,550
baseline
▲ 0.50% · 4.625%
HK$59,991
+HK$3,441/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$113,100/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,199
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,787
−HK$1,610/mo
Today · 4.125%
HK$62,397
baseline
▲ 0.50% · 4.625%
HK$65,686
+HK$3,289/mo
Deposit HK$1.30M · loan HK$11.67M · min. income ≈ HK$124,794/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$486,175 · Scale 2, in force from 26 Feb 2026)