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$29,485
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,402
−HK$932/mo
Today · 4.125%
HK$31,334
baseline
▲ 0.50% · 4.625%
HK$33,240
+HK$1,906/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$62,668/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,802
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,681
−HK$893/mo
Today · 4.125%
HK$34,574
baseline
▲ 0.50% · 4.625%
HK$36,396
+HK$1,822/mo
Deposit HK$6.47M · loan HK$6.47M · min. income ≈ HK$69,148/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,382
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,482
−HK$1,119/mo
Today · 4.125%
HK$37,601
baseline
▲ 0.50% · 4.625%
HK$39,888
+HK$2,287/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,202/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,362
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,418
−HK$1,070/mo
Today · 4.125%
HK$41,488
baseline
▲ 0.50% · 4.625%
HK$43,675
+HK$2,187/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$82,976/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,279
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,563
−HK$1,304/mo
Today · 4.125%
HK$43,867
baseline
▲ 0.50% · 4.625%
HK$46,536
+HK$2,669/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,734/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,922
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,154
−HK$1,249/mo
Today · 4.125%
HK$48,403
baseline
▲ 0.50% · 4.625%
HK$50,955
+HK$2,552/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,806/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,073
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,724
−HK$1,677/mo
Today · 4.125%
HK$56,401
baseline
▲ 0.50% · 4.625%
HK$59,833
+HK$3,432/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,802/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,043
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,626
−HK$1,607/mo
Today · 4.125%
HK$62,233
baseline
▲ 0.50% · 4.625%
HK$65,513
+HK$3,280/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,466/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,893 · Scale 2, in force from 26 Feb 2026)