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$29,506
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,424
−HK$932/mo
Today · 4.125%
HK$31,356
baseline
▲ 0.50% · 4.625%
HK$33,264
+HK$1,908/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,712/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,825
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,705
−HK$893/mo
Today · 4.125%
HK$34,598
baseline
▲ 0.50% · 4.625%
HK$36,422
+HK$1,824/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,196/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,407
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,508
−HK$1,119/mo
Today · 4.125%
HK$37,627
baseline
▲ 0.50% · 4.625%
HK$39,917
+HK$2,290/mo
Deposit HK$5.18M · loan HK$7.76M · min. income ≈ HK$75,254/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,390
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,446
−HK$1,072/mo
Today · 4.125%
HK$41,518
baseline
▲ 0.50% · 4.625%
HK$43,707
+HK$2,189/mo
Deposit HK$5.18M · loan HK$7.76M · min. income ≈ HK$83,036/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,308
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,593
−HK$1,306/mo
Today · 4.125%
HK$43,899
baseline
▲ 0.50% · 4.625%
HK$46,570
+HK$2,671/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,798/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,955
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,187
−HK$1,251/mo
Today · 4.125%
HK$48,438
baseline
▲ 0.50% · 4.625%
HK$50,991
+HK$2,553/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,876/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,111
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,763
−HK$1,678/mo
Today · 4.125%
HK$56,441
baseline
▲ 0.50% · 4.625%
HK$59,875
+HK$3,434/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$112,882/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,085
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,670
−HK$1,607/mo
Today · 4.125%
HK$62,277
baseline
▲ 0.50% · 4.625%
HK$65,560
+HK$3,283/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,554/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,240 · Scale 2, in force from 26 Feb 2026)