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$1,849/mo
▼ 0.25% · 3.875%
HK$30,391
−HK$932/mo
Today · 4.125%
HK$31,323
baseline
▲ 0.50% · 4.625%
HK$33,229
+HK$1,906/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,646/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,790
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,669
−HK$893/mo
Today · 4.125%
HK$34,562
baseline
▲ 0.50% · 4.625%
HK$36,383
+HK$1,821/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,124/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,369
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,470
−HK$1,117/mo
Today · 4.125%
HK$37,587
baseline
▲ 0.50% · 4.625%
HK$39,874
+HK$2,287/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,174/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,348
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,403
−HK$1,071/mo
Today · 4.125%
HK$41,474
baseline
▲ 0.50% · 4.625%
HK$43,660
+HK$2,186/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$82,948/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,264
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,548
−HK$1,304/mo
Today · 4.125%
HK$43,852
baseline
▲ 0.50% · 4.625%
HK$46,520
+HK$2,668/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,704/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,906
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,137
−HK$1,249/mo
Today · 4.125%
HK$48,386
baseline
▲ 0.50% · 4.625%
HK$50,937
+HK$2,551/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,772/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,054
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,704
−HK$1,677/mo
Today · 4.125%
HK$56,381
baseline
▲ 0.50% · 4.625%
HK$59,812
+HK$3,431/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,762/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,022
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,605
−HK$1,606/mo
Today · 4.125%
HK$62,211
baseline
▲ 0.50% · 4.625%
HK$65,490
+HK$3,279/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,422/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,724 · Scale 2, in force from 26 Feb 2026)