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$29,501
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,419
−HK$932/mo
Today · 4.125%
HK$31,351
baseline
▲ 0.50% · 4.625%
HK$33,259
+HK$1,908/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,702/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$485,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,819
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,700
−HK$893/mo
Today · 4.125%
HK$34,593
baseline
▲ 0.50% · 4.625%
HK$36,416
+HK$1,823/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,186/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$485,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,401
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,502
−HK$1,119/mo
Today · 4.125%
HK$37,621
baseline
▲ 0.50% · 4.625%
HK$39,910
+HK$2,289/mo
Deposit HK$5.18M · loan HK$7.76M · min. income ≈ HK$75,242/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,383
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,440
−HK$1,071/mo
Today · 4.125%
HK$41,511
baseline
▲ 0.50% · 4.625%
HK$43,699
+HK$2,188/mo
Deposit HK$5.18M · loan HK$7.76M · min. income ≈ HK$83,022/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,301
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,586
−HK$1,305/mo
Today · 4.125%
HK$43,891
baseline
▲ 0.50% · 4.625%
HK$46,562
+HK$2,671/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,782/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,947
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,180
−HK$1,250/mo
Today · 4.125%
HK$48,430
baseline
▲ 0.50% · 4.625%
HK$50,982
+HK$2,552/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,860/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,102
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,753
−HK$1,679/mo
Today · 4.125%
HK$56,432
baseline
▲ 0.50% · 4.625%
HK$59,865
+HK$3,433/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,864/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,075
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,659
−HK$1,608/mo
Today · 4.125%
HK$62,267
baseline
▲ 0.50% · 4.625%
HK$65,549
+HK$3,282/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,534/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,158 · Scale 2, in force from 26 Feb 2026)