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$29,479
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,396
−HK$932/mo
Today · 4.125%
HK$31,328
baseline
▲ 0.50% · 4.625%
HK$33,234
+HK$1,906/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,656/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,796
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,675
−HK$892/mo
Today · 4.125%
HK$34,567
baseline
▲ 0.50% · 4.625%
HK$36,389
+HK$1,822/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,134/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,375
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,476
−HK$1,118/mo
Today · 4.125%
HK$37,594
baseline
▲ 0.50% · 4.625%
HK$39,881
+HK$2,287/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,188/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,355
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,410
−HK$1,071/mo
Today · 4.125%
HK$41,481
baseline
▲ 0.50% · 4.625%
HK$43,667
+HK$2,186/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$82,962/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,271
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,555
−HK$1,304/mo
Today · 4.125%
HK$43,859
baseline
▲ 0.50% · 4.625%
HK$46,528
+HK$2,669/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,718/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,914
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,145
−HK$1,249/mo
Today · 4.125%
HK$48,394
baseline
▲ 0.50% · 4.625%
HK$50,945
+HK$2,551/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,788/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,063
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,713
−HK$1,677/mo
Today · 4.125%
HK$56,390
baseline
▲ 0.50% · 4.625%
HK$59,822
+HK$3,432/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,780/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,032
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,615
−HK$1,606/mo
Today · 4.125%
HK$62,221
baseline
▲ 0.50% · 4.625%
HK$65,501
+HK$3,280/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,442/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,805 · Scale 2, in force from 26 Feb 2026)