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$29,507
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,425
−HK$933/mo
Today · 4.125%
HK$31,358
baseline
▲ 0.50% · 4.625%
HK$33,266
+HK$1,908/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,716/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,827
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,707
−HK$893/mo
Today · 4.125%
HK$34,600
baseline
▲ 0.50% · 4.625%
HK$36,424
+HK$1,824/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,200/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,409
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,510
−HK$1,119/mo
Today · 4.125%
HK$37,629
baseline
▲ 0.50% · 4.625%
HK$39,919
+HK$2,290/mo
Deposit HK$5.18M · loan HK$7.76M · min. income ≈ HK$75,258/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,392
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,448
−HK$1,072/mo
Today · 4.125%
HK$41,520
baseline
▲ 0.50% · 4.625%
HK$43,709
+HK$2,189/mo
Deposit HK$5.18M · loan HK$7.76M · min. income ≈ HK$83,040/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,310
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,595
−HK$1,306/mo
Today · 4.125%
HK$43,901
baseline
▲ 0.50% · 4.625%
HK$46,572
+HK$2,671/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,802/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,957
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,190
−HK$1,250/mo
Today · 4.125%
HK$48,440
baseline
▲ 0.50% · 4.625%
HK$50,994
+HK$2,554/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,880/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,113
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,765
−HK$1,679/mo
Today · 4.125%
HK$56,444
baseline
▲ 0.50% · 4.625%
HK$59,878
+HK$3,434/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$112,888/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,088
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,673
−HK$1,607/mo
Today · 4.125%
HK$62,280
baseline
▲ 0.50% · 4.625%
HK$65,563
+HK$3,283/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,560/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,264 · Scale 2, in force from 26 Feb 2026)