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$29,491
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,408
−HK$932/mo
Today · 4.125%
HK$31,340
baseline
▲ 0.50% · 4.625%
HK$33,247
+HK$1,907/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,680/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,808
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,688
−HK$893/mo
Today · 4.125%
HK$34,581
baseline
▲ 0.50% · 4.625%
HK$36,404
+HK$1,823/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,162/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,389
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,490
−HK$1,118/mo
Today · 4.125%
HK$37,608
baseline
▲ 0.50% · 4.625%
HK$39,897
+HK$2,289/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,216/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,370
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,426
−HK$1,071/mo
Today · 4.125%
HK$41,497
baseline
▲ 0.50% · 4.625%
HK$43,684
+HK$2,187/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$82,994/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,287
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,571
−HK$1,305/mo
Today · 4.125%
HK$43,876
baseline
▲ 0.50% · 4.625%
HK$46,546
+HK$2,670/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,752/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,932
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,163
−HK$1,250/mo
Today · 4.125%
HK$48,413
baseline
▲ 0.50% · 4.625%
HK$50,965
+HK$2,552/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,826/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,084
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,735
−HK$1,677/mo
Today · 4.125%
HK$56,412
baseline
▲ 0.50% · 4.625%
HK$59,845
+HK$3,433/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,824/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,055
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,639
−HK$1,606/mo
Today · 4.125%
HK$62,245
baseline
▲ 0.50% · 4.625%
HK$65,527
+HK$3,282/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,490/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,993 · Scale 2, in force from 26 Feb 2026)