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$29,527
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,445
−HK$933/mo
Today · 4.125%
HK$31,378
baseline
▲ 0.50% · 4.625%
HK$33,287
+HK$1,909/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,756/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,848
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,729
−HK$894/mo
Today · 4.125%
HK$34,623
baseline
▲ 0.50% · 4.625%
HK$36,448
+HK$1,825/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,246/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,432
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,534
−HK$1,120/mo
Today · 4.125%
HK$37,654
baseline
▲ 0.50% · 4.625%
HK$39,945
+HK$2,291/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,308/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,418
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,475
−HK$1,072/mo
Today · 4.125%
HK$41,547
baseline
▲ 0.50% · 4.625%
HK$43,737
+HK$2,190/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,094/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,337
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,623
−HK$1,306/mo
Today · 4.125%
HK$43,929
baseline
▲ 0.50% · 4.625%
HK$46,602
+HK$2,673/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,858/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,987
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,221
−HK$1,251/mo
Today · 4.125%
HK$48,472
baseline
▲ 0.50% · 4.625%
HK$51,027
+HK$2,555/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,944/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,148
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,801
−HK$1,680/mo
Today · 4.125%
HK$56,481
baseline
▲ 0.50% · 4.625%
HK$59,917
+HK$3,436/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$112,962/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,126
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,712
−HK$1,609/mo
Today · 4.125%
HK$62,321
baseline
▲ 0.50% · 4.625%
HK$65,606
+HK$3,285/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,642/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,580 · Scale 2, in force from 26 Feb 2026)