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$29,499
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,417
−HK$932/mo
Today · 4.125%
HK$31,349
baseline
▲ 0.50% · 4.625%
HK$33,256
+HK$1,907/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,698/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$485,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,817
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,698
−HK$892/mo
Today · 4.125%
HK$34,590
baseline
▲ 0.50% · 4.625%
HK$36,414
+HK$1,824/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,180/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$485,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,399
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,500
−HK$1,119/mo
Today · 4.125%
HK$37,619
baseline
▲ 0.50% · 4.625%
HK$39,908
+HK$2,289/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,238/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,381
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,437
−HK$1,072/mo
Today · 4.125%
HK$41,509
baseline
▲ 0.50% · 4.625%
HK$43,696
+HK$2,187/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$83,018/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,299
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,583
−HK$1,305/mo
Today · 4.125%
HK$43,888
baseline
▲ 0.50% · 4.625%
HK$46,559
+HK$2,671/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,776/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,944
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,177
−HK$1,250/mo
Today · 4.125%
HK$48,427
baseline
▲ 0.50% · 4.625%
HK$50,979
+HK$2,552/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,854/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,098
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,750
−HK$1,678/mo
Today · 4.125%
HK$56,428
baseline
▲ 0.50% · 4.625%
HK$59,862
+HK$3,434/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,856/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,071
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,656
−HK$1,607/mo
Today · 4.125%
HK$62,263
baseline
▲ 0.50% · 4.625%
HK$65,545
+HK$3,282/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,526/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,128 · Scale 2, in force from 26 Feb 2026)