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$1,848/mo
▼ 0.25% · 3.875%
HK$30,396
−HK$931/mo
Today · 4.125%
HK$31,327
baseline
▲ 0.50% · 4.625%
HK$33,233
+HK$1,906/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,654/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,795
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,674
−HK$893/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$484,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,374
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,475
−HK$1,118/mo
Today · 4.125%
HK$37,593
baseline
▲ 0.50% · 4.625%
HK$39,880
+HK$2,287/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,186/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,354
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,409
−HK$1,071/mo
Today · 4.125%
HK$41,480
baseline
▲ 0.50% · 4.625%
HK$43,666
+HK$2,186/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$82,960/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,270
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,554
−HK$1,304/mo
Today · 4.125%
HK$43,858
baseline
▲ 0.50% · 4.625%
HK$46,527
+HK$2,669/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,716/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,913
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,144
−HK$1,249/mo
Today · 4.125%
HK$48,393
baseline
▲ 0.50% · 4.625%
HK$50,944
+HK$2,551/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,786/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,062
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,712
−HK$1,677/mo
Today · 4.125%
HK$56,389
baseline
▲ 0.50% · 4.625%
HK$59,820
+HK$3,431/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,778/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,031
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,614
−HK$1,606/mo
Today · 4.125%
HK$62,220
baseline
▲ 0.50% · 4.625%
HK$65,500
+HK$3,280/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,440/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,793 · Scale 2, in force from 26 Feb 2026)