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$29,526
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,444
−HK$933/mo
Today · 4.125%
HK$31,377
baseline
▲ 0.50% · 4.625%
HK$33,286
+HK$1,909/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,754/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,847
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,728
−HK$894/mo
Today · 4.125%
HK$34,622
baseline
▲ 0.50% · 4.625%
HK$36,447
+HK$1,825/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,244/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,431
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,533
−HK$1,120/mo
Today · 4.125%
HK$37,653
baseline
▲ 0.50% · 4.625%
HK$39,944
+HK$2,291/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,306/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,416
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,473
−HK$1,073/mo
Today · 4.125%
HK$41,546
baseline
▲ 0.50% · 4.625%
HK$43,736
+HK$2,190/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,092/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,336
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,622
−HK$1,306/mo
Today · 4.125%
HK$43,928
baseline
▲ 0.50% · 4.625%
HK$46,601
+HK$2,673/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,856/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,986
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,219
−HK$1,251/mo
Today · 4.125%
HK$48,470
baseline
▲ 0.50% · 4.625%
HK$51,025
+HK$2,555/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,940/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,146
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,799
−HK$1,680/mo
Today · 4.125%
HK$56,479
baseline
▲ 0.50% · 4.625%
HK$59,915
+HK$3,436/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$112,958/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,124
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,710
−HK$1,609/mo
Today · 4.125%
HK$62,319
baseline
▲ 0.50% · 4.625%
HK$65,604
+HK$3,285/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,638/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,564 · Scale 2, in force from 26 Feb 2026)