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$29,495
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,413
−HK$932/mo
Today · 4.125%
HK$31,345
baseline
▲ 0.50% · 4.625%
HK$33,252
+HK$1,907/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,690/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$485,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,813
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,693
−HK$893/mo
Today · 4.125%
HK$34,586
baseline
▲ 0.50% · 4.625%
HK$36,409
+HK$1,823/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,172/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$485,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,394
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,495
−HK$1,119/mo
Today · 4.125%
HK$37,614
baseline
▲ 0.50% · 4.625%
HK$39,903
+HK$2,289/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,228/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,376
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,432
−HK$1,071/mo
Today · 4.125%
HK$41,503
baseline
▲ 0.50% · 4.625%
HK$43,691
+HK$2,188/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$83,006/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,293
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,578
−HK$1,305/mo
Today · 4.125%
HK$43,883
baseline
▲ 0.50% · 4.625%
HK$46,553
+HK$2,670/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,766/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,939
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,171
−HK$1,249/mo
Today · 4.125%
HK$48,420
baseline
▲ 0.50% · 4.625%
HK$50,973
+HK$2,553/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,840/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,092
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,743
−HK$1,678/mo
Today · 4.125%
HK$56,421
baseline
▲ 0.50% · 4.625%
HK$59,854
+HK$3,433/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,842/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,064
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,648
−HK$1,607/mo
Today · 4.125%
HK$62,255
baseline
▲ 0.50% · 4.625%
HK$65,536
+HK$3,281/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,510/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,067 · Scale 2, in force from 26 Feb 2026)