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$29,509
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,426
−HK$933/mo
Today · 4.125%
HK$31,359
baseline
▲ 0.50% · 4.625%
HK$33,267
+HK$1,908/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,718/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,828
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,708
−HK$894/mo
Today · 4.125%
HK$34,602
baseline
▲ 0.50% · 4.625%
HK$36,425
+HK$1,823/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,204/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,410
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,512
−HK$1,119/mo
Today · 4.125%
HK$37,631
baseline
▲ 0.50% · 4.625%
HK$39,921
+HK$2,290/mo
Deposit HK$5.18M · loan HK$7.76M · min. income ≈ HK$75,262/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,394
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,450
−HK$1,072/mo
Today · 4.125%
HK$41,522
baseline
▲ 0.50% · 4.625%
HK$43,711
+HK$2,189/mo
Deposit HK$5.18M · loan HK$7.76M · min. income ≈ HK$83,044/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,312
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,597
−HK$1,306/mo
Today · 4.125%
HK$43,903
baseline
▲ 0.50% · 4.625%
HK$46,574
+HK$2,671/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,806/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,959
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,192
−HK$1,250/mo
Today · 4.125%
HK$48,442
baseline
▲ 0.50% · 4.625%
HK$50,996
+HK$2,554/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,884/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,115
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,768
−HK$1,678/mo
Today · 4.125%
HK$56,446
baseline
▲ 0.50% · 4.625%
HK$59,881
+HK$3,435/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$112,892/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,090
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,675
−HK$1,608/mo
Today · 4.125%
HK$62,283
baseline
▲ 0.50% · 4.625%
HK$65,566
+HK$3,283/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,566/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,284 · Scale 2, in force from 26 Feb 2026)