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$29,480
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,397
−HK$932/mo
Today · 4.125%
HK$31,329
baseline
▲ 0.50% · 4.625%
HK$33,235
+HK$1,906/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,658/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,797
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,676
−HK$893/mo
Today · 4.125%
HK$34,569
baseline
▲ 0.50% · 4.625%
HK$36,391
+HK$1,822/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,138/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,376
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,477
−HK$1,118/mo
Today · 4.125%
HK$37,595
baseline
▲ 0.50% · 4.625%
HK$39,882
+HK$2,287/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,190/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,356
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,411
−HK$1,071/mo
Today · 4.125%
HK$41,482
baseline
▲ 0.50% · 4.625%
HK$43,669
+HK$2,187/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$82,964/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,273
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,556
−HK$1,305/mo
Today · 4.125%
HK$43,861
baseline
▲ 0.50% · 4.625%
HK$46,529
+HK$2,668/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,722/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,915
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,147
−HK$1,249/mo
Today · 4.125%
HK$48,396
baseline
▲ 0.50% · 4.625%
HK$50,947
+HK$2,551/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,792/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,065
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,715
−HK$1,677/mo
Today · 4.125%
HK$56,392
baseline
▲ 0.50% · 4.625%
HK$59,824
+HK$3,432/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,784/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,034
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,617
−HK$1,606/mo
Today · 4.125%
HK$62,223
baseline
▲ 0.50% · 4.625%
HK$65,503
+HK$3,280/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,446/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,820 · Scale 2, in force from 26 Feb 2026)