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$29,486
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,404
−HK$931/mo
Today · 4.125%
HK$31,335
baseline
▲ 0.50% · 4.625%
HK$33,242
+HK$1,907/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,670/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,803
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,683
−HK$893/mo
Today · 4.125%
HK$34,576
baseline
▲ 0.50% · 4.625%
HK$36,398
+HK$1,822/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,152/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,384
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,484
−HK$1,119/mo
Today · 4.125%
HK$37,603
baseline
▲ 0.50% · 4.625%
HK$39,891
+HK$2,288/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,206/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,364
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,420
−HK$1,071/mo
Today · 4.125%
HK$41,491
baseline
▲ 0.50% · 4.625%
HK$43,678
+HK$2,187/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$82,982/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,281
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,565
−HK$1,305/mo
Today · 4.125%
HK$43,870
baseline
▲ 0.50% · 4.625%
HK$46,539
+HK$2,669/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,740/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,925
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,156
−HK$1,250/mo
Today · 4.125%
HK$48,406
baseline
▲ 0.50% · 4.625%
HK$50,957
+HK$2,551/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,812/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,076
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,727
−HK$1,677/mo
Today · 4.125%
HK$56,404
baseline
▲ 0.50% · 4.625%
HK$59,836
+HK$3,432/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,808/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,046
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,630
−HK$1,606/mo
Today · 4.125%
HK$62,236
baseline
▲ 0.50% · 4.625%
HK$65,517
+HK$3,281/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,472/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,920 · Scale 2, in force from 26 Feb 2026)