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$29,482
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,399
−HK$931/mo
Today · 4.125%
HK$31,330
baseline
▲ 0.50% · 4.625%
HK$33,237
+HK$1,907/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,660/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,798
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,678
−HK$892/mo
Today · 4.125%
HK$34,570
baseline
▲ 0.50% · 4.625%
HK$36,392
+HK$1,822/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,140/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,378
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,478
−HK$1,118/mo
Today · 4.125%
HK$37,596
baseline
▲ 0.50% · 4.625%
HK$39,884
+HK$2,288/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,192/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,358
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,413
−HK$1,071/mo
Today · 4.125%
HK$41,484
baseline
▲ 0.50% · 4.625%
HK$43,671
+HK$2,187/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$82,968/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,274
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,558
−HK$1,304/mo
Today · 4.125%
HK$43,862
baseline
▲ 0.50% · 4.625%
HK$46,531
+HK$2,669/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,724/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,917
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,149
−HK$1,249/mo
Today · 4.125%
HK$48,398
baseline
▲ 0.50% · 4.625%
HK$50,949
+HK$2,551/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,796/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,067
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,717
−HK$1,678/mo
Today · 4.125%
HK$56,395
baseline
▲ 0.50% · 4.625%
HK$59,826
+HK$3,431/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,790/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,036
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,620
−HK$1,606/mo
Today · 4.125%
HK$62,226
baseline
▲ 0.50% · 4.625%
HK$65,506
+HK$3,280/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,452/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,840 · Scale 2, in force from 26 Feb 2026)