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$29,515
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,433
−HK$933/mo
Today · 4.125%
HK$31,366
baseline
▲ 0.50% · 4.625%
HK$33,274
+HK$1,908/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,732/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,835
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,715
−HK$894/mo
Today · 4.125%
HK$34,609
baseline
▲ 0.50% · 4.625%
HK$36,433
+HK$1,824/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,218/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,418
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,519
−HK$1,120/mo
Today · 4.125%
HK$37,639
baseline
▲ 0.50% · 4.625%
HK$39,929
+HK$2,290/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,278/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,402
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,458
−HK$1,072/mo
Today · 4.125%
HK$41,530
baseline
▲ 0.50% · 4.625%
HK$43,720
+HK$2,190/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,060/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,321
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,606
−HK$1,306/mo
Today · 4.125%
HK$43,912
baseline
▲ 0.50% · 4.625%
HK$46,584
+HK$2,672/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,824/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,969
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,202
−HK$1,250/mo
Today · 4.125%
HK$48,452
baseline
▲ 0.50% · 4.625%
HK$51,006
+HK$2,554/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,904/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,126
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,779
−HK$1,679/mo
Today · 4.125%
HK$56,458
baseline
▲ 0.50% · 4.625%
HK$59,893
+HK$3,435/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$112,916/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,103
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,688
−HK$1,608/mo
Today · 4.125%
HK$62,296
baseline
▲ 0.50% · 4.625%
HK$65,579
+HK$3,283/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,592/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,385 · Scale 2, in force from 26 Feb 2026)