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$29,530
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,449
−HK$933/mo
Today · 4.125%
HK$31,382
baseline
▲ 0.50% · 4.625%
HK$33,291
+HK$1,909/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,764/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,852
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,733
−HK$894/mo
Today · 4.125%
HK$34,627
baseline
▲ 0.50% · 4.625%
HK$36,452
+HK$1,825/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,254/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,436
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,538
−HK$1,120/mo
Today · 4.125%
HK$37,658
baseline
▲ 0.50% · 4.625%
HK$39,950
+HK$2,292/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,316/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,422
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,480
−HK$1,072/mo
Today · 4.125%
HK$41,552
baseline
▲ 0.50% · 4.625%
HK$43,742
+HK$2,190/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,104/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,342
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,628
−HK$1,307/mo
Today · 4.125%
HK$43,935
baseline
▲ 0.50% · 4.625%
HK$46,608
+HK$2,673/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,870/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,993
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,226
−HK$1,252/mo
Today · 4.125%
HK$48,478
baseline
▲ 0.50% · 4.625%
HK$51,033
+HK$2,555/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$96,956/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,154
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,808
−HK$1,679/mo
Today · 4.125%
HK$56,487
baseline
▲ 0.50% · 4.625%
HK$59,925
+HK$3,438/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$112,974/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,134
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,719
−HK$1,609/mo
Today · 4.125%
HK$62,328
baseline
▲ 0.50% · 4.625%
HK$65,614
+HK$3,286/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,656/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,638 · Scale 2, in force from 26 Feb 2026)