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$29,523
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,441
−HK$933/mo
Today · 4.125%
HK$31,374
baseline
▲ 0.50% · 4.625%
HK$33,283
+HK$1,909/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,748/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,844
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,724
−HK$894/mo
Today · 4.125%
HK$34,618
baseline
▲ 0.50% · 4.625%
HK$36,443
+HK$1,825/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,236/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,427
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,529
−HK$1,120/mo
Today · 4.125%
HK$37,649
baseline
▲ 0.50% · 4.625%
HK$39,940
+HK$2,291/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,298/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,412
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,469
−HK$1,073/mo
Today · 4.125%
HK$41,542
baseline
▲ 0.50% · 4.625%
HK$43,731
+HK$2,189/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,084/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,332
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,617
−HK$1,307/mo
Today · 4.125%
HK$43,924
baseline
▲ 0.50% · 4.625%
HK$46,596
+HK$2,672/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,848/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,981
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,214
−HK$1,251/mo
Today · 4.125%
HK$48,465
baseline
▲ 0.50% · 4.625%
HK$51,020
+HK$2,555/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,930/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,141
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,794
−HK$1,679/mo
Today · 4.125%
HK$56,473
baseline
▲ 0.50% · 4.625%
HK$59,909
+HK$3,436/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$112,946/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,119
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,704
−HK$1,609/mo
Today · 4.125%
HK$62,313
baseline
▲ 0.50% · 4.625%
HK$65,597
+HK$3,284/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,626/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,515 · Scale 2, in force from 26 Feb 2026)