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$29,528
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,447
−HK$933/mo
Today · 4.125%
HK$31,380
baseline
▲ 0.50% · 4.625%
HK$33,289
+HK$1,909/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,760/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,850
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,731
−HK$894/mo
Today · 4.125%
HK$34,625
baseline
▲ 0.50% · 4.625%
HK$36,450
+HK$1,825/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,250/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,434
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,536
−HK$1,120/mo
Today · 4.125%
HK$37,656
baseline
▲ 0.50% · 4.625%
HK$39,947
+HK$2,291/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,312/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,420
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,477
−HK$1,073/mo
Today · 4.125%
HK$41,550
baseline
▲ 0.50% · 4.625%
HK$43,740
+HK$2,190/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,100/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,340
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,625
−HK$1,307/mo
Today · 4.125%
HK$43,932
baseline
▲ 0.50% · 4.625%
HK$46,605
+HK$2,673/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,864/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,990
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,223
−HK$1,251/mo
Today · 4.125%
HK$48,474
baseline
▲ 0.50% · 4.625%
HK$51,030
+HK$2,556/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,948/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,151
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,804
−HK$1,680/mo
Today · 4.125%
HK$56,484
baseline
▲ 0.50% · 4.625%
HK$59,921
+HK$3,437/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$112,968/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,130
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,716
−HK$1,608/mo
Today · 4.125%
HK$62,324
baseline
▲ 0.50% · 4.625%
HK$65,610
+HK$3,286/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,648/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,608 · Scale 2, in force from 26 Feb 2026)