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$29,489
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,406
−HK$932/mo
Today · 4.125%
HK$31,338
baseline
▲ 0.50% · 4.625%
HK$33,245
+HK$1,907/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,676/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,806
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,686
−HK$892/mo
Today · 4.125%
HK$34,578
baseline
▲ 0.50% · 4.625%
HK$36,401
+HK$1,823/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,156/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,387
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,487
−HK$1,119/mo
Today · 4.125%
HK$37,606
baseline
▲ 0.50% · 4.625%
HK$39,894
+HK$2,288/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,212/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,367
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,423
−HK$1,071/mo
Today · 4.125%
HK$41,494
baseline
▲ 0.50% · 4.625%
HK$43,681
+HK$2,187/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$82,988/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,284
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,569
−HK$1,304/mo
Today · 4.125%
HK$43,873
baseline
▲ 0.50% · 4.625%
HK$46,543
+HK$2,670/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,746/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,928
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,160
−HK$1,250/mo
Today · 4.125%
HK$48,410
baseline
▲ 0.50% · 4.625%
HK$50,962
+HK$2,552/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,820/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,080
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,731
−HK$1,677/mo
Today · 4.125%
HK$56,408
baseline
▲ 0.50% · 4.625%
HK$59,841
+HK$3,433/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,816/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,051
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,635
−HK$1,606/mo
Today · 4.125%
HK$62,241
baseline
▲ 0.50% · 4.625%
HK$65,522
+HK$3,281/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,482/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,959 · Scale 2, in force from 26 Feb 2026)