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$29,469
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,386
−HK$931/mo
Today · 4.125%
HK$31,317
baseline
▲ 0.50% · 4.625%
HK$33,223
+HK$1,906/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,634/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,784
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,664
−HK$892/mo
Today · 4.125%
HK$34,556
baseline
▲ 0.50% · 4.625%
HK$36,377
+HK$1,821/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,112/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,363
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,463
−HK$1,118/mo
Today · 4.125%
HK$37,581
baseline
▲ 0.50% · 4.625%
HK$39,867
+HK$2,286/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,162/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,341
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,396
−HK$1,071/mo
Today · 4.125%
HK$41,467
baseline
▲ 0.50% · 4.625%
HK$43,652
+HK$2,185/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,934/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,257
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,540
−HK$1,304/mo
Today · 4.125%
HK$43,844
baseline
▲ 0.50% · 4.625%
HK$46,512
+HK$2,668/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,688/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,898
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,129
−HK$1,249/mo
Today · 4.125%
HK$48,378
baseline
▲ 0.50% · 4.625%
HK$50,928
+HK$2,550/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,756/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,045
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,695
−HK$1,676/mo
Today · 4.125%
HK$56,371
baseline
▲ 0.50% · 4.625%
HK$59,801
+HK$3,430/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,742/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,012
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,594
−HK$1,606/mo
Today · 4.125%
HK$62,200
baseline
▲ 0.50% · 4.625%
HK$65,479
+HK$3,279/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,400/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,639 · Scale 2, in force from 26 Feb 2026)