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$29,524
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,442
−HK$934/mo
Today · 4.125%
HK$31,376
baseline
▲ 0.50% · 4.625%
HK$33,285
+HK$1,909/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,752/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,845
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,726
−HK$894/mo
Today · 4.125%
HK$34,620
baseline
▲ 0.50% · 4.625%
HK$36,445
+HK$1,825/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,240/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,429
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,531
−HK$1,120/mo
Today · 4.125%
HK$37,651
baseline
▲ 0.50% · 4.625%
HK$39,942
+HK$2,291/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,302/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,414
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,471
−HK$1,073/mo
Today · 4.125%
HK$41,544
baseline
▲ 0.50% · 4.625%
HK$43,734
+HK$2,190/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,088/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,334
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,619
−HK$1,307/mo
Today · 4.125%
HK$43,926
baseline
▲ 0.50% · 4.625%
HK$46,598
+HK$2,672/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,852/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,983
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,217
−HK$1,251/mo
Today · 4.125%
HK$48,468
baseline
▲ 0.50% · 4.625%
HK$51,022
+HK$2,554/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,936/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,143
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,796
−HK$1,680/mo
Today · 4.125%
HK$56,476
baseline
▲ 0.50% · 4.625%
HK$59,912
+HK$3,436/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$112,952/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,121
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,707
−HK$1,609/mo
Today · 4.125%
HK$62,316
baseline
▲ 0.50% · 4.625%
HK$65,600
+HK$3,284/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,632/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,539 · Scale 2, in force from 26 Feb 2026)