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$29,497
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,415
−HK$932/mo
Today · 4.125%
HK$31,347
baseline
▲ 0.50% · 4.625%
HK$33,254
+HK$1,907/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,694/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$485,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,815
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,695
−HK$893/mo
Today · 4.125%
HK$34,588
baseline
▲ 0.50% · 4.625%
HK$36,411
+HK$1,823/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,176/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$485,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,397
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,498
−HK$1,118/mo
Today · 4.125%
HK$37,616
baseline
▲ 0.50% · 4.625%
HK$39,905
+HK$2,289/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,232/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,378
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,434
−HK$1,072/mo
Today · 4.125%
HK$41,506
baseline
▲ 0.50% · 4.625%
HK$43,694
+HK$2,188/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$83,012/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,296
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,581
−HK$1,305/mo
Today · 4.125%
HK$43,886
baseline
▲ 0.50% · 4.625%
HK$46,556
+HK$2,670/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,772/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,941
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,174
−HK$1,250/mo
Today · 4.125%
HK$48,424
baseline
▲ 0.50% · 4.625%
HK$50,976
+HK$2,552/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,848/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,095
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,746
−HK$1,678/mo
Today · 4.125%
HK$56,424
baseline
▲ 0.50% · 4.625%
HK$59,858
+HK$3,434/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,848/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,068
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,652
−HK$1,607/mo
Today · 4.125%
HK$62,259
baseline
▲ 0.50% · 4.625%
HK$65,541
+HK$3,282/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,518/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,097 · Scale 2, in force from 26 Feb 2026)