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$29,524
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,442
−HK$933/mo
Today · 4.125%
HK$31,375
baseline
▲ 0.50% · 4.625%
HK$33,284
+HK$1,909/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,750/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,845
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,726
−HK$894/mo
Today · 4.125%
HK$34,620
baseline
▲ 0.50% · 4.625%
HK$36,444
+HK$1,824/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,240/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,429
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,531
−HK$1,119/mo
Today · 4.125%
HK$37,650
baseline
▲ 0.50% · 4.625%
HK$39,941
+HK$2,291/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,300/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,414
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,471
−HK$1,072/mo
Today · 4.125%
HK$41,543
baseline
▲ 0.50% · 4.625%
HK$43,733
+HK$2,190/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,086/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,333
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,619
−HK$1,306/mo
Today · 4.125%
HK$43,925
baseline
▲ 0.50% · 4.625%
HK$46,598
+HK$2,673/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,850/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,983
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,216
−HK$1,251/mo
Today · 4.125%
HK$48,467
baseline
▲ 0.50% · 4.625%
HK$51,022
+HK$2,555/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,934/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,143
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,796
−HK$1,679/mo
Today · 4.125%
HK$56,475
baseline
▲ 0.50% · 4.625%
HK$59,912
+HK$3,437/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$112,950/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,121
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,707
−HK$1,608/mo
Today · 4.125%
HK$62,315
baseline
▲ 0.50% · 4.625%
HK$65,600
+HK$3,285/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,630/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,536 · Scale 2, in force from 26 Feb 2026)