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$29,508
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,426
−HK$932/mo
Today · 4.125%
HK$31,358
baseline
▲ 0.50% · 4.625%
HK$33,266
+HK$1,908/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,716/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,827
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,707
−HK$894/mo
Today · 4.125%
HK$34,601
baseline
▲ 0.50% · 4.625%
HK$36,424
+HK$1,823/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,202/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,409
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,511
−HK$1,119/mo
Today · 4.125%
HK$37,630
baseline
▲ 0.50% · 4.625%
HK$39,919
+HK$2,289/mo
Deposit HK$5.18M · loan HK$7.76M · min. income ≈ HK$75,260/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,392
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,449
−HK$1,072/mo
Today · 4.125%
HK$41,521
baseline
▲ 0.50% · 4.625%
HK$43,709
+HK$2,188/mo
Deposit HK$5.18M · loan HK$7.76M · min. income ≈ HK$83,042/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,311
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,596
−HK$1,305/mo
Today · 4.125%
HK$43,901
baseline
▲ 0.50% · 4.625%
HK$46,573
+HK$2,672/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,802/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,958
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,190
−HK$1,251/mo
Today · 4.125%
HK$48,441
baseline
▲ 0.50% · 4.625%
HK$50,994
+HK$2,553/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,882/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,114
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,766
−HK$1,679/mo
Today · 4.125%
HK$56,445
baseline
▲ 0.50% · 4.625%
HK$59,879
+HK$3,434/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$112,890/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,089
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,673
−HK$1,608/mo
Today · 4.125%
HK$62,281
baseline
▲ 0.50% · 4.625%
HK$65,564
+HK$3,283/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,562/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,271 · Scale 2, in force from 26 Feb 2026)