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$29,519
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,437
−HK$933/mo
Today · 4.125%
HK$31,370
baseline
▲ 0.50% · 4.625%
HK$33,278
+HK$1,908/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,740/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,839
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,720
−HK$893/mo
Today · 4.125%
HK$34,613
baseline
▲ 0.50% · 4.625%
HK$36,438
+HK$1,825/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,226/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,422
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,524
−HK$1,120/mo
Today · 4.125%
HK$37,644
baseline
▲ 0.50% · 4.625%
HK$39,934
+HK$2,290/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,288/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,407
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,464
−HK$1,072/mo
Today · 4.125%
HK$41,536
baseline
▲ 0.50% · 4.625%
HK$43,725
+HK$2,189/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,072/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,326
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,611
−HK$1,306/mo
Today · 4.125%
HK$43,917
baseline
▲ 0.50% · 4.625%
HK$46,590
+HK$2,673/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,834/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,975
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,208
−HK$1,251/mo
Today · 4.125%
HK$48,459
baseline
▲ 0.50% · 4.625%
HK$51,013
+HK$2,554/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,918/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,133
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,786
−HK$1,679/mo
Today · 4.125%
HK$56,465
baseline
▲ 0.50% · 4.625%
HK$59,901
+HK$3,436/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$112,930/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,110
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,696
−HK$1,608/mo
Today · 4.125%
HK$62,304
baseline
▲ 0.50% · 4.625%
HK$65,588
+HK$3,284/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,608/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,448 · Scale 2, in force from 26 Feb 2026)