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$29,494
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,411
−HK$932/mo
Today · 4.125%
HK$31,343
baseline
▲ 0.50% · 4.625%
HK$33,251
+HK$1,908/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,686/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$485,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,812
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,692
−HK$892/mo
Today · 4.125%
HK$34,584
baseline
▲ 0.50% · 4.625%
HK$36,407
+HK$1,823/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,168/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$485,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,393
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,494
−HK$1,118/mo
Today · 4.125%
HK$37,612
baseline
▲ 0.50% · 4.625%
HK$39,901
+HK$2,289/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,224/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,374
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,430
−HK$1,071/mo
Today · 4.125%
HK$41,501
baseline
▲ 0.50% · 4.625%
HK$43,689
+HK$2,188/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$83,002/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,291
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,576
−HK$1,305/mo
Today · 4.125%
HK$43,881
baseline
▲ 0.50% · 4.625%
HK$46,551
+HK$2,670/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,762/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,936
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,168
−HK$1,250/mo
Today · 4.125%
HK$48,418
baseline
▲ 0.50% · 4.625%
HK$50,970
+HK$2,552/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,836/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,089
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,740
−HK$1,678/mo
Today · 4.125%
HK$56,418
baseline
▲ 0.50% · 4.625%
HK$59,851
+HK$3,433/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,836/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,061
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,645
−HK$1,607/mo
Today · 4.125%
HK$62,252
baseline
▲ 0.50% · 4.625%
HK$65,533
+HK$3,281/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,504/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,042 · Scale 2, in force from 26 Feb 2026)