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$29,462
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,379
−HK$931/mo
Today · 4.125%
HK$31,310
baseline
▲ 0.50% · 4.625%
HK$33,215
+HK$1,905/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,620/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,776
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,655
−HK$892/mo
Today · 4.125%
HK$34,547
baseline
▲ 0.50% · 4.625%
HK$36,368
+HK$1,821/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,094/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,355
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,454
−HK$1,118/mo
Today · 4.125%
HK$37,572
baseline
▲ 0.50% · 4.625%
HK$39,858
+HK$2,286/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,144/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,332
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,386
−HK$1,071/mo
Today · 4.125%
HK$41,457
baseline
▲ 0.50% · 4.625%
HK$43,642
+HK$2,185/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,914/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,247
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,530
−HK$1,304/mo
Today · 4.125%
HK$43,834
baseline
▲ 0.50% · 4.625%
HK$46,501
+HK$2,667/mo
Deposit HK$3.88M · loan HK$9.04M · min. income ≈ HK$87,668/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,887
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,117
−HK$1,249/mo
Today · 4.125%
HK$48,366
baseline
▲ 0.50% · 4.625%
HK$50,915
+HK$2,549/mo
Deposit HK$3.88M · loan HK$9.04M · min. income ≈ HK$96,732/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,032
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,681
−HK$1,676/mo
Today · 4.125%
HK$56,357
baseline
▲ 0.50% · 4.625%
HK$59,787
+HK$3,430/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,714/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,997
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,580
−HK$1,605/mo
Today · 4.125%
HK$62,185
baseline
▲ 0.50% · 4.625%
HK$65,463
+HK$3,278/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,370/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,520 · Scale 2, in force from 26 Feb 2026)