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$29,497
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,414
−HK$933/mo
Today · 4.125%
HK$31,347
baseline
▲ 0.50% · 4.625%
HK$33,254
+HK$1,907/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,694/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$485,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,815
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,695
−HK$893/mo
Today · 4.125%
HK$34,588
baseline
▲ 0.50% · 4.625%
HK$36,411
+HK$1,823/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,176/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$485,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,396
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,497
−HK$1,119/mo
Today · 4.125%
HK$37,616
baseline
▲ 0.50% · 4.625%
HK$39,905
+HK$2,289/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,232/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,378
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,434
−HK$1,071/mo
Today · 4.125%
HK$41,505
baseline
▲ 0.50% · 4.625%
HK$43,693
+HK$2,188/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$83,010/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,296
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,580
−HK$1,305/mo
Today · 4.125%
HK$43,885
baseline
▲ 0.50% · 4.625%
HK$46,556
+HK$2,671/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,770/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,941
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,173
−HK$1,250/mo
Today · 4.125%
HK$48,423
baseline
▲ 0.50% · 4.625%
HK$50,975
+HK$2,552/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,846/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,094
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,746
−HK$1,678/mo
Today · 4.125%
HK$56,424
baseline
▲ 0.50% · 4.625%
HK$59,857
+HK$3,433/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,848/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,067
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,651
−HK$1,607/mo
Today · 4.125%
HK$62,258
baseline
▲ 0.50% · 4.625%
HK$65,540
+HK$3,282/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,516/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,092 · Scale 2, in force from 26 Feb 2026)