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$29,455
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,371
−HK$931/mo
Today · 4.125%
HK$31,302
baseline
▲ 0.50% · 4.625%
HK$33,206
+HK$1,904/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,604/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,768
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,647
−HK$891/mo
Today · 4.125%
HK$34,538
baseline
▲ 0.50% · 4.625%
HK$36,359
+HK$1,821/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,076/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,346
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,445
−HK$1,117/mo
Today · 4.125%
HK$37,562
baseline
▲ 0.50% · 4.625%
HK$39,848
+HK$2,286/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,124/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,322
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,376
−HK$1,070/mo
Today · 4.125%
HK$41,446
baseline
▲ 0.50% · 4.625%
HK$43,631
+HK$2,185/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,892/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,237
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,519
−HK$1,303/mo
Today · 4.125%
HK$43,822
baseline
▲ 0.50% · 4.625%
HK$46,489
+HK$2,667/mo
Deposit HK$3.88M · loan HK$9.04M · min. income ≈ HK$87,644/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,875
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,106
−HK$1,248/mo
Today · 4.125%
HK$48,354
baseline
▲ 0.50% · 4.625%
HK$50,903
+HK$2,549/mo
Deposit HK$3.88M · loan HK$9.04M · min. income ≈ HK$96,708/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,018
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,668
−HK$1,675/mo
Today · 4.125%
HK$56,343
baseline
▲ 0.50% · 4.625%
HK$59,772
+HK$3,429/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,686/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,982
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,564
−HK$1,605/mo
Today · 4.125%
HK$62,169
baseline
▲ 0.50% · 4.625%
HK$65,446
+HK$3,277/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,338/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,398 · Scale 2, in force from 26 Feb 2026)