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$29,504
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,422
−HK$932/mo
Today · 4.125%
HK$31,354
baseline
▲ 0.50% · 4.625%
HK$33,262
+HK$1,908/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,708/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$485,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,823
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,703
−HK$893/mo
Today · 4.125%
HK$34,596
baseline
▲ 0.50% · 4.625%
HK$36,420
+HK$1,824/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,192/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$485,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,405
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,506
−HK$1,119/mo
Today · 4.125%
HK$37,625
baseline
▲ 0.50% · 4.625%
HK$39,915
+HK$2,290/mo
Deposit HK$5.18M · loan HK$7.76M · min. income ≈ HK$75,250/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,388
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,444
−HK$1,072/mo
Today · 4.125%
HK$41,516
baseline
▲ 0.50% · 4.625%
HK$43,704
+HK$2,188/mo
Deposit HK$5.18M · loan HK$7.76M · min. income ≈ HK$83,032/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,306
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,591
−HK$1,305/mo
Today · 4.125%
HK$43,896
baseline
▲ 0.50% · 4.625%
HK$46,567
+HK$2,671/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,792/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,952
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,185
−HK$1,250/mo
Today · 4.125%
HK$48,435
baseline
▲ 0.50% · 4.625%
HK$50,988
+HK$2,553/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,870/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,108
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,760
−HK$1,678/mo
Today · 4.125%
HK$56,438
baseline
▲ 0.50% · 4.625%
HK$59,872
+HK$3,434/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$112,876/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,082
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,666
−HK$1,608/mo
Today · 4.125%
HK$62,274
baseline
▲ 0.50% · 4.625%
HK$65,556
+HK$3,282/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,548/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,212 · Scale 2, in force from 26 Feb 2026)