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$29,510
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,428
−HK$932/mo
Today · 4.125%
HK$31,360
baseline
▲ 0.50% · 4.625%
HK$33,269
+HK$1,909/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,720/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,829
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,710
−HK$893/mo
Today · 4.125%
HK$34,603
baseline
▲ 0.50% · 4.625%
HK$36,427
+HK$1,824/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,206/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,412
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,513
−HK$1,119/mo
Today · 4.125%
HK$37,632
baseline
▲ 0.50% · 4.625%
HK$39,922
+HK$2,290/mo
Deposit HK$5.18M · loan HK$7.76M · min. income ≈ HK$75,264/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,395
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,452
−HK$1,072/mo
Today · 4.125%
HK$41,524
baseline
▲ 0.50% · 4.625%
HK$43,712
+HK$2,188/mo
Deposit HK$5.18M · loan HK$7.76M · min. income ≈ HK$83,048/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,314
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,599
−HK$1,305/mo
Today · 4.125%
HK$43,904
baseline
▲ 0.50% · 4.625%
HK$46,576
+HK$2,672/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,808/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,961
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,194
−HK$1,250/mo
Today · 4.125%
HK$48,444
baseline
▲ 0.50% · 4.625%
HK$50,998
+HK$2,554/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,888/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,118
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,770
−HK$1,679/mo
Today · 4.125%
HK$56,449
baseline
▲ 0.50% · 4.625%
HK$59,883
+HK$3,434/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$112,898/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,093
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,678
−HK$1,607/mo
Today · 4.125%
HK$62,285
baseline
▲ 0.50% · 4.625%
HK$65,569
+HK$3,284/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,570/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,305 · Scale 2, in force from 26 Feb 2026)