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$29,478
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,395
−HK$932/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$484,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,794
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,674
−HK$892/mo
Today · 4.125%
HK$34,566
baseline
▲ 0.50% · 4.625%
HK$36,388
+HK$1,822/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,132/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,374
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,474
−HK$1,118/mo
Today · 4.125%
HK$37,592
baseline
▲ 0.50% · 4.625%
HK$39,880
+HK$2,288/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,184/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,353
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,409
−HK$1,070/mo
Today · 4.125%
HK$41,479
baseline
▲ 0.50% · 4.625%
HK$43,666
+HK$2,187/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$82,958/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,270
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,553
−HK$1,305/mo
Today · 4.125%
HK$43,858
baseline
▲ 0.50% · 4.625%
HK$46,526
+HK$2,668/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$484,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,912
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,143
−HK$1,250/mo
Today · 4.125%
HK$48,393
baseline
▲ 0.50% · 4.625%
HK$50,943
+HK$2,550/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$484,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,061
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,711
−HK$1,677/mo
Today · 4.125%
HK$56,388
baseline
▲ 0.50% · 4.625%
HK$59,819
+HK$3,431/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,776/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,030
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,613
−HK$1,606/mo
Today · 4.125%
HK$62,219
baseline
▲ 0.50% · 4.625%
HK$65,499
+HK$3,280/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,438/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,787 · Scale 2, in force from 26 Feb 2026)