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$29,473
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,390
−HK$931/mo
Today · 4.125%
HK$31,321
baseline
▲ 0.50% · 4.625%
HK$33,227
+HK$1,906/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,642/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,788
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,668
−HK$892/mo
Today · 4.125%
HK$34,560
baseline
▲ 0.50% · 4.625%
HK$36,382
+HK$1,822/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,120/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,368
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,468
−HK$1,117/mo
Today · 4.125%
HK$37,585
baseline
▲ 0.50% · 4.625%
HK$39,872
+HK$2,287/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,170/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,346
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,401
−HK$1,071/mo
Today · 4.125%
HK$41,472
baseline
▲ 0.50% · 4.625%
HK$43,658
+HK$2,186/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$82,944/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,262
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,546
−HK$1,304/mo
Today · 4.125%
HK$43,850
baseline
▲ 0.50% · 4.625%
HK$46,518
+HK$2,668/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,700/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,904
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,135
−HK$1,249/mo
Today · 4.125%
HK$48,384
baseline
▲ 0.50% · 4.625%
HK$50,934
+HK$2,550/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,768/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,051
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,702
−HK$1,676/mo
Today · 4.125%
HK$56,378
baseline
▲ 0.50% · 4.625%
HK$59,809
+HK$3,431/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,756/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,019
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,602
−HK$1,606/mo
Today · 4.125%
HK$62,208
baseline
▲ 0.50% · 4.625%
HK$65,487
+HK$3,279/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,416/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,698 · Scale 2, in force from 26 Feb 2026)