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$29,509
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,427
−HK$933/mo
Today · 4.125%
HK$31,360
baseline
▲ 0.50% · 4.625%
HK$33,268
+HK$1,908/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$485,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,829
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,709
−HK$893/mo
Today · 4.125%
HK$34,602
baseline
▲ 0.50% · 4.625%
HK$36,426
+HK$1,824/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,204/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,411
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,512
−HK$1,120/mo
Today · 4.125%
HK$37,632
baseline
▲ 0.50% · 4.625%
HK$39,921
+HK$2,289/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$485,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,394
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,451
−HK$1,072/mo
Today · 4.125%
HK$41,523
baseline
▲ 0.50% · 4.625%
HK$43,711
+HK$2,188/mo
Deposit HK$5.18M · loan HK$7.76M · min. income ≈ HK$83,046/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,313
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,598
−HK$1,305/mo
Today · 4.125%
HK$43,903
baseline
▲ 0.50% · 4.625%
HK$46,575
+HK$2,672/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,806/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,960
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,193
−HK$1,250/mo
Today · 4.125%
HK$48,443
baseline
▲ 0.50% · 4.625%
HK$50,997
+HK$2,554/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,886/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,116
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,769
−HK$1,678/mo
Today · 4.125%
HK$56,447
baseline
▲ 0.50% · 4.625%
HK$59,882
+HK$3,435/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$112,894/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,091
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,676
−HK$1,608/mo
Today · 4.125%
HK$62,284
baseline
▲ 0.50% · 4.625%
HK$65,567
+HK$3,283/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,568/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,293 · Scale 2, in force from 26 Feb 2026)