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$29,512
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,430
−HK$933/mo
Today · 4.125%
HK$31,363
baseline
▲ 0.50% · 4.625%
HK$33,271
+HK$1,908/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,726/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,832
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,712
−HK$894/mo
Today · 4.125%
HK$34,606
baseline
▲ 0.50% · 4.625%
HK$36,430
+HK$1,824/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,212/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,414
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,516
−HK$1,119/mo
Today · 4.125%
HK$37,635
baseline
▲ 0.50% · 4.625%
HK$39,925
+HK$2,290/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,270/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,398
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,455
−HK$1,072/mo
Today · 4.125%
HK$41,527
baseline
▲ 0.50% · 4.625%
HK$43,716
+HK$2,189/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,054/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,317
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,602
−HK$1,306/mo
Today · 4.125%
HK$43,908
baseline
▲ 0.50% · 4.625%
HK$46,579
+HK$2,671/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,816/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,965
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,197
−HK$1,251/mo
Today · 4.125%
HK$48,448
baseline
▲ 0.50% · 4.625%
HK$51,002
+HK$2,554/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,896/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,122
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,774
−HK$1,679/mo
Today · 4.125%
HK$56,453
baseline
▲ 0.50% · 4.625%
HK$59,888
+HK$3,435/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$112,906/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,097
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,682
−HK$1,608/mo
Today · 4.125%
HK$62,290
baseline
▲ 0.50% · 4.625%
HK$65,574
+HK$3,284/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,580/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,342 · Scale 2, in force from 26 Feb 2026)