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$29,496
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,414
−HK$932/mo
Today · 4.125%
HK$31,346
baseline
▲ 0.50% · 4.625%
HK$33,253
+HK$1,907/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,692/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$485,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,814
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,694
−HK$893/mo
Today · 4.125%
HK$34,587
baseline
▲ 0.50% · 4.625%
HK$36,410
+HK$1,823/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,174/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$485,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,395
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,496
−HK$1,119/mo
Today · 4.125%
HK$37,615
baseline
▲ 0.50% · 4.625%
HK$39,904
+HK$2,289/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,230/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,377
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$40,433
−HK$1,071/mo
Today · 4.125%
HK$41,504
baseline
▲ 0.50% · 4.625%
HK$43,692
+HK$2,188/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$83,008/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$485,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,295
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,579
−HK$1,305/mo
Today · 4.125%
HK$43,884
baseline
▲ 0.50% · 4.625%
HK$46,554
+HK$2,670/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,768/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,940
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,172
−HK$1,250/mo
Today · 4.125%
HK$48,422
baseline
▲ 0.50% · 4.625%
HK$50,974
+HK$2,552/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,844/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,093
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,745
−HK$1,677/mo
Today · 4.125%
HK$56,422
baseline
▲ 0.50% · 4.625%
HK$59,856
+HK$3,434/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,844/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,065
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,650
−HK$1,607/mo
Today · 4.125%
HK$62,257
baseline
▲ 0.50% · 4.625%
HK$65,538
+HK$3,281/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,514/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,080 · Scale 2, in force from 26 Feb 2026)