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$29,518
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,436
−HK$933/mo
Today · 4.125%
HK$31,369
baseline
▲ 0.50% · 4.625%
HK$33,278
+HK$1,909/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,738/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,838
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,719
−HK$893/mo
Today · 4.125%
HK$34,612
baseline
▲ 0.50% · 4.625%
HK$36,437
+HK$1,825/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,224/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,421
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,523
−HK$1,120/mo
Today · 4.125%
HK$37,643
baseline
▲ 0.50% · 4.625%
HK$39,933
+HK$2,290/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,286/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,406
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,463
−HK$1,072/mo
Today · 4.125%
HK$41,535
baseline
▲ 0.50% · 4.625%
HK$43,724
+HK$2,189/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,070/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,325
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,610
−HK$1,306/mo
Today · 4.125%
HK$43,916
baseline
▲ 0.50% · 4.625%
HK$46,589
+HK$2,673/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$87,832/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,974
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,207
−HK$1,250/mo
Today · 4.125%
HK$48,457
baseline
▲ 0.50% · 4.625%
HK$51,012
+HK$2,555/mo
Deposit HK$3.88M · loan HK$9.06M · min. income ≈ HK$96,914/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,132
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,785
−HK$1,679/mo
Today · 4.125%
HK$56,464
baseline
▲ 0.50% · 4.625%
HK$59,900
+HK$3,436/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$112,928/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,109
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,694
−HK$1,608/mo
Today · 4.125%
HK$62,302
baseline
▲ 0.50% · 4.625%
HK$65,586
+HK$3,284/mo
Deposit HK$1.29M · loan HK$11.65M · min. income ≈ HK$124,604/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,436 · Scale 2, in force from 26 Feb 2026)