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$29,540
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,459
−HK$933/mo
Today · 4.125%
HK$31,392
baseline
▲ 0.50% · 4.625%
HK$33,302
+HK$1,910/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,784/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,863
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,744
−HK$894/mo
Today · 4.125%
HK$34,638
baseline
▲ 0.50% · 4.625%
HK$36,464
+HK$1,826/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,276/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,448
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,550
−HK$1,121/mo
Today · 4.125%
HK$37,671
baseline
▲ 0.50% · 4.625%
HK$39,963
+HK$2,292/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,342/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,435
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,493
−HK$1,073/mo
Today · 4.125%
HK$41,566
baseline
▲ 0.50% · 4.625%
HK$43,757
+HK$2,191/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,132/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,356
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,642
−HK$1,307/mo
Today · 4.125%
HK$43,949
baseline
▲ 0.50% · 4.625%
HK$46,623
+HK$2,674/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,898/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,008
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,242
−HK$1,251/mo
Today · 4.125%
HK$48,493
baseline
▲ 0.50% · 4.625%
HK$51,050
+HK$2,557/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$96,986/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,172
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,826
−HK$1,680/mo
Today · 4.125%
HK$56,506
baseline
▲ 0.50% · 4.625%
HK$59,944
+HK$3,438/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$113,012/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,153
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,739
−HK$1,610/mo
Today · 4.125%
HK$62,349
baseline
▲ 0.50% · 4.625%
HK$65,635
+HK$3,286/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,698/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,798 · Scale 2, in force from 26 Feb 2026)