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$29,513
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,431
−HK$932/mo
Today · 4.125%
HK$31,363
baseline
▲ 0.50% · 4.625%
HK$33,272
+HK$1,909/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$485,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,833
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,713
−HK$893/mo
Today · 4.125%
HK$34,606
baseline
▲ 0.50% · 4.625%
HK$36,431
+HK$1,825/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$485,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,415
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,517
−HK$1,119/mo
Today · 4.125%
HK$37,636
baseline
▲ 0.50% · 4.625%
HK$39,926
+HK$2,290/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,272/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,399
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,456
−HK$1,072/mo
Today · 4.125%
HK$41,528
baseline
▲ 0.50% · 4.625%
HK$43,717
+HK$2,189/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,056/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,318
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,603
−HK$1,306/mo
Today · 4.125%
HK$43,909
baseline
▲ 0.50% · 4.625%
HK$46,580
+HK$2,671/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,818/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,966
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,198
−HK$1,251/mo
Today · 4.125%
HK$48,449
baseline
▲ 0.50% · 4.625%
HK$51,003
+HK$2,554/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,898/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,123
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,775
−HK$1,679/mo
Today · 4.125%
HK$56,454
baseline
▲ 0.50% · 4.625%
HK$59,889
+HK$3,435/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$112,908/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,099
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,684
−HK$1,608/mo
Today · 4.125%
HK$62,292
baseline
▲ 0.50% · 4.625%
HK$65,575
+HK$3,283/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,584/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,352 · Scale 2, in force from 26 Feb 2026)