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$29,530
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,449
−HK$933/mo
Today · 4.125%
HK$31,382
baseline
▲ 0.50% · 4.625%
HK$33,291
+HK$1,909/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,764/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,852
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,733
−HK$894/mo
Today · 4.125%
HK$34,627
baseline
▲ 0.50% · 4.625%
HK$36,452
+HK$1,825/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,254/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,436
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,538
−HK$1,120/mo
Today · 4.125%
HK$37,658
baseline
▲ 0.50% · 4.625%
HK$39,950
+HK$2,292/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,316/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,422
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,479
−HK$1,073/mo
Today · 4.125%
HK$41,552
baseline
▲ 0.50% · 4.625%
HK$43,742
+HK$2,190/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,104/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,342
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,628
−HK$1,306/mo
Today · 4.125%
HK$43,934
baseline
▲ 0.50% · 4.625%
HK$46,608
+HK$2,674/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,868/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,993
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,226
−HK$1,251/mo
Today · 4.125%
HK$48,477
baseline
▲ 0.50% · 4.625%
HK$51,033
+HK$2,556/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$96,954/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,154
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,807
−HK$1,680/mo
Today · 4.125%
HK$56,487
baseline
▲ 0.50% · 4.625%
HK$59,924
+HK$3,437/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$112,974/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,133
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,719
−HK$1,609/mo
Today · 4.125%
HK$62,328
baseline
▲ 0.50% · 4.625%
HK$65,613
+HK$3,285/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,656/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,636 · Scale 2, in force from 26 Feb 2026)