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$29,543
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,462
−HK$933/mo
Today · 4.125%
HK$31,395
baseline
▲ 0.50% · 4.625%
HK$33,306
+HK$1,911/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,790/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,866
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,747
−HK$895/mo
Today · 4.125%
HK$34,642
baseline
▲ 0.50% · 4.625%
HK$36,468
+HK$1,826/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,284/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,451
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,554
−HK$1,120/mo
Today · 4.125%
HK$37,674
baseline
▲ 0.50% · 4.625%
HK$39,967
+HK$2,293/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,348/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,439
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$40,497
−HK$1,073/mo
Today · 4.125%
HK$41,570
baseline
▲ 0.50% · 4.625%
HK$43,761
+HK$2,191/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,140/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,360
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,646
−HK$1,308/mo
Today · 4.125%
HK$43,954
baseline
▲ 0.50% · 4.625%
HK$46,628
+HK$2,674/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,908/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,012
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,246
−HK$1,252/mo
Today · 4.125%
HK$48,498
baseline
▲ 0.50% · 4.625%
HK$51,055
+HK$2,557/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$96,996/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,177
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,831
−HK$1,681/mo
Today · 4.125%
HK$56,512
baseline
▲ 0.50% · 4.625%
HK$59,950
+HK$3,438/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$113,024/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,159
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,745
−HK$1,610/mo
Today · 4.125%
HK$62,355
baseline
▲ 0.50% · 4.625%
HK$65,642
+HK$3,287/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,710/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,847 · Scale 2, in force from 26 Feb 2026)