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$29,523
−HK$1,852/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$485,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,844
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,725
−HK$894/mo
Today · 4.125%
HK$34,619
baseline
▲ 0.50% · 4.625%
HK$36,444
+HK$1,825/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,238/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,428
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,530
−HK$1,120/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$485,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,413
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,470
−HK$1,073/mo
Today · 4.125%
HK$41,543
baseline
▲ 0.50% · 4.625%
HK$43,732
+HK$2,189/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$485,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,333
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,618
−HK$1,307/mo
Today · 4.125%
HK$43,925
baseline
▲ 0.50% · 4.625%
HK$46,597
+HK$2,672/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$485,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,982
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,215
−HK$1,251/mo
Today · 4.125%
HK$48,466
baseline
▲ 0.50% · 4.625%
HK$51,021
+HK$2,555/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,932/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,142
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,795
−HK$1,680/mo
Today · 4.125%
HK$56,475
baseline
▲ 0.50% · 4.625%
HK$59,911
+HK$3,436/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$485,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,120
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,706
−HK$1,608/mo
Today · 4.125%
HK$62,314
baseline
▲ 0.50% · 4.625%
HK$65,599
+HK$3,285/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,628/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,527 · Scale 2, in force from 26 Feb 2026)