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$29,502
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,419
−HK$933/mo
Today · 4.125%
HK$31,352
baseline
▲ 0.50% · 4.625%
HK$33,259
+HK$1,907/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,704/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$485,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,820
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,700
−HK$893/mo
Today · 4.125%
HK$34,593
baseline
▲ 0.50% · 4.625%
HK$36,417
+HK$1,824/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,186/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$485,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,402
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,503
−HK$1,119/mo
Today · 4.125%
HK$37,622
baseline
▲ 0.50% · 4.625%
HK$39,911
+HK$2,289/mo
Deposit HK$5.18M · loan HK$7.76M · min. income ≈ HK$75,244/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,384
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,440
−HK$1,072/mo
Today · 4.125%
HK$41,512
baseline
▲ 0.50% · 4.625%
HK$43,700
+HK$2,188/mo
Deposit HK$5.18M · loan HK$7.76M · min. income ≈ HK$83,024/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,302
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,587
−HK$1,305/mo
Today · 4.125%
HK$43,892
baseline
▲ 0.50% · 4.625%
HK$46,563
+HK$2,671/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,784/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,948
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,181
−HK$1,250/mo
Today · 4.125%
HK$48,431
baseline
▲ 0.50% · 4.625%
HK$50,984
+HK$2,553/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,862/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,103
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,755
−HK$1,678/mo
Today · 4.125%
HK$56,433
baseline
▲ 0.50% · 4.625%
HK$59,867
+HK$3,434/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,866/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,076
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,661
−HK$1,607/mo
Today · 4.125%
HK$62,268
baseline
▲ 0.50% · 4.625%
HK$65,550
+HK$3,282/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,536/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,169 · Scale 2, in force from 26 Feb 2026)