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$29,512
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,429
−HK$933/mo
Today · 4.125%
HK$31,362
baseline
▲ 0.50% · 4.625%
HK$33,270
+HK$1,908/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,724/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,831
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,712
−HK$893/mo
Today · 4.125%
HK$34,605
baseline
▲ 0.50% · 4.625%
HK$36,429
+HK$1,824/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,210/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,414
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,515
−HK$1,120/mo
Today · 4.125%
HK$37,635
baseline
▲ 0.50% · 4.625%
HK$39,925
+HK$2,290/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,270/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,398
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,454
−HK$1,072/mo
Today · 4.125%
HK$41,526
baseline
▲ 0.50% · 4.625%
HK$43,715
+HK$2,189/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,052/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,316
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,601
−HK$1,306/mo
Today · 4.125%
HK$43,907
baseline
▲ 0.50% · 4.625%
HK$46,579
+HK$2,672/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,814/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,964
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,196
−HK$1,251/mo
Today · 4.125%
HK$48,447
baseline
▲ 0.50% · 4.625%
HK$51,001
+HK$2,554/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,894/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,121
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,773
−HK$1,679/mo
Today · 4.125%
HK$56,452
baseline
▲ 0.50% · 4.625%
HK$59,887
+HK$3,435/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$112,904/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,096
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,681
−HK$1,608/mo
Today · 4.125%
HK$62,289
baseline
▲ 0.50% · 4.625%
HK$65,572
+HK$3,283/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,578/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,333 · Scale 2, in force from 26 Feb 2026)