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$29,488
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,405
−HK$932/mo
Today · 4.125%
HK$31,337
baseline
▲ 0.50% · 4.625%
HK$33,243
+HK$1,906/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,674/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,805
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,684
−HK$893/mo
Today · 4.125%
HK$34,577
baseline
▲ 0.50% · 4.625%
HK$36,400
+HK$1,823/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,154/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,385
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,486
−HK$1,118/mo
Today · 4.125%
HK$37,604
baseline
▲ 0.50% · 4.625%
HK$39,892
+HK$2,288/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,208/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,366
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,421
−HK$1,071/mo
Today · 4.125%
HK$41,492
baseline
▲ 0.50% · 4.625%
HK$43,679
+HK$2,187/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$82,984/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,283
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,567
−HK$1,304/mo
Today · 4.125%
HK$43,871
baseline
▲ 0.50% · 4.625%
HK$46,541
+HK$2,670/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,742/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,926
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,158
−HK$1,250/mo
Today · 4.125%
HK$48,408
baseline
▲ 0.50% · 4.625%
HK$50,959
+HK$2,551/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,816/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,078
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,729
−HK$1,677/mo
Today · 4.125%
HK$56,406
baseline
▲ 0.50% · 4.625%
HK$59,838
+HK$3,432/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,812/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,048
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,632
−HK$1,606/mo
Today · 4.125%
HK$62,238
baseline
▲ 0.50% · 4.625%
HK$65,519
+HK$3,281/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,476/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,938 · Scale 2, in force from 26 Feb 2026)