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$29,511
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,428
−HK$933/mo
Today · 4.125%
HK$31,361
baseline
▲ 0.50% · 4.625%
HK$33,269
+HK$1,908/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,722/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,830
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,711
−HK$893/mo
Today · 4.125%
HK$34,604
baseline
▲ 0.50% · 4.625%
HK$36,428
+HK$1,824/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,208/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,413
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,514
−HK$1,119/mo
Today · 4.125%
HK$37,633
baseline
▲ 0.50% · 4.625%
HK$39,923
+HK$2,290/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,266/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,396
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,453
−HK$1,072/mo
Today · 4.125%
HK$41,525
baseline
▲ 0.50% · 4.625%
HK$43,713
+HK$2,188/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,050/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,315
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,600
−HK$1,306/mo
Today · 4.125%
HK$43,906
baseline
▲ 0.50% · 4.625%
HK$46,577
+HK$2,671/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,812/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,962
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,195
−HK$1,250/mo
Today · 4.125%
HK$48,445
baseline
▲ 0.50% · 4.625%
HK$50,999
+HK$2,554/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,890/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,119
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,771
−HK$1,679/mo
Today · 4.125%
HK$56,450
baseline
▲ 0.50% · 4.625%
HK$59,885
+HK$3,435/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$112,900/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,094
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,679
−HK$1,608/mo
Today · 4.125%
HK$62,287
baseline
▲ 0.50% · 4.625%
HK$65,570
+HK$3,283/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,574/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,316 · Scale 2, in force from 26 Feb 2026)