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$29,474
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,390
−HK$932/mo
Today · 4.125%
HK$31,322
baseline
▲ 0.50% · 4.625%
HK$33,228
+HK$1,906/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,644/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,789
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,669
−HK$892/mo
Today · 4.125%
HK$34,561
baseline
▲ 0.50% · 4.625%
HK$36,382
+HK$1,821/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,122/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,368
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,469
−HK$1,117/mo
Today · 4.125%
HK$37,586
baseline
▲ 0.50% · 4.625%
HK$39,873
+HK$2,287/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,172/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,347
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,402
−HK$1,071/mo
Today · 4.125%
HK$41,473
baseline
▲ 0.50% · 4.625%
HK$43,659
+HK$2,186/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$82,946/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,263
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,547
−HK$1,304/mo
Today · 4.125%
HK$43,851
baseline
▲ 0.50% · 4.625%
HK$46,519
+HK$2,668/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,702/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,905
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,136
−HK$1,249/mo
Today · 4.125%
HK$48,385
baseline
▲ 0.50% · 4.625%
HK$50,935
+HK$2,550/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,770/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,053
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,703
−HK$1,677/mo
Today · 4.125%
HK$56,380
baseline
▲ 0.50% · 4.625%
HK$59,810
+HK$3,430/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,760/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,021
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,603
−HK$1,606/mo
Today · 4.125%
HK$62,209
baseline
▲ 0.50% · 4.625%
HK$65,488
+HK$3,279/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,418/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,711 · Scale 2, in force from 26 Feb 2026)