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$29,485
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,403
−HK$931/mo
Today · 4.125%
HK$31,334
baseline
▲ 0.50% · 4.625%
HK$33,241
+HK$1,907/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,668/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,802
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,682
−HK$892/mo
Today · 4.125%
HK$34,574
baseline
▲ 0.50% · 4.625%
HK$36,397
+HK$1,823/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,148/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,382
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,483
−HK$1,118/mo
Today · 4.125%
HK$37,601
baseline
▲ 0.50% · 4.625%
HK$39,889
+HK$2,288/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,202/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,363
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,418
−HK$1,071/mo
Today · 4.125%
HK$41,489
baseline
▲ 0.50% · 4.625%
HK$43,676
+HK$2,187/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$82,978/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,280
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,564
−HK$1,304/mo
Today · 4.125%
HK$43,868
baseline
▲ 0.50% · 4.625%
HK$46,537
+HK$2,669/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,736/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,923
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,155
−HK$1,249/mo
Today · 4.125%
HK$48,404
baseline
▲ 0.50% · 4.625%
HK$50,956
+HK$2,552/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,808/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,074
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,725
−HK$1,677/mo
Today · 4.125%
HK$56,402
baseline
▲ 0.50% · 4.625%
HK$59,834
+HK$3,432/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,804/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,044
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,628
−HK$1,606/mo
Today · 4.125%
HK$62,234
baseline
▲ 0.50% · 4.625%
HK$65,514
+HK$3,280/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,468/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,903 · Scale 2, in force from 26 Feb 2026)