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$29,506
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,424
−HK$933/mo
Today · 4.125%
HK$31,357
baseline
▲ 0.50% · 4.625%
HK$33,265
+HK$1,908/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,714/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,825
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,706
−HK$893/mo
Today · 4.125%
HK$34,599
baseline
▲ 0.50% · 4.625%
HK$36,423
+HK$1,824/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,198/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,408
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,509
−HK$1,119/mo
Today · 4.125%
HK$37,628
baseline
▲ 0.50% · 4.625%
HK$39,917
+HK$2,289/mo
Deposit HK$5.18M · loan HK$7.76M · min. income ≈ HK$75,256/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,391
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,447
−HK$1,072/mo
Today · 4.125%
HK$41,519
baseline
▲ 0.50% · 4.625%
HK$43,707
+HK$2,188/mo
Deposit HK$5.18M · loan HK$7.76M · min. income ≈ HK$83,038/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,309
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,594
−HK$1,305/mo
Today · 4.125%
HK$43,899
baseline
▲ 0.50% · 4.625%
HK$46,570
+HK$2,671/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,798/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,956
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,188
−HK$1,250/mo
Today · 4.125%
HK$48,438
baseline
▲ 0.50% · 4.625%
HK$50,992
+HK$2,554/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,876/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,111
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,763
−HK$1,679/mo
Today · 4.125%
HK$56,442
baseline
▲ 0.50% · 4.625%
HK$59,876
+HK$3,434/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$112,884/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,086
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,670
−HK$1,608/mo
Today · 4.125%
HK$62,278
baseline
▲ 0.50% · 4.625%
HK$65,561
+HK$3,283/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,556/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,247 · Scale 2, in force from 26 Feb 2026)