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$29,483
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,400
−HK$932/mo
Today · 4.125%
HK$31,332
baseline
▲ 0.50% · 4.625%
HK$33,239
+HK$1,907/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,664/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,800
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,680
−HK$892/mo
Today · 4.125%
HK$34,572
baseline
▲ 0.50% · 4.625%
HK$36,394
+HK$1,822/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,144/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,380
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,481
−HK$1,118/mo
Today · 4.125%
HK$37,599
baseline
▲ 0.50% · 4.625%
HK$39,886
+HK$2,287/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,198/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,360
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,416
−HK$1,070/mo
Today · 4.125%
HK$41,486
baseline
▲ 0.50% · 4.625%
HK$43,673
+HK$2,187/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$82,972/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,277
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,561
−HK$1,304/mo
Today · 4.125%
HK$43,865
baseline
▲ 0.50% · 4.625%
HK$46,534
+HK$2,669/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,730/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,920
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,151
−HK$1,250/mo
Today · 4.125%
HK$48,401
baseline
▲ 0.50% · 4.625%
HK$50,952
+HK$2,551/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,802/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,070
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,721
−HK$1,677/mo
Today · 4.125%
HK$56,398
baseline
▲ 0.50% · 4.625%
HK$59,830
+HK$3,432/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,796/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,040
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,623
−HK$1,607/mo
Today · 4.125%
HK$62,230
baseline
▲ 0.50% · 4.625%
HK$65,510
+HK$3,280/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,460/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,869 · Scale 2, in force from 26 Feb 2026)