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$29,473
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,389
−HK$932/mo
Today · 4.125%
HK$31,321
baseline
▲ 0.50% · 4.625%
HK$33,226
+HK$1,905/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,642/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,788
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,667
−HK$892/mo
Today · 4.125%
HK$34,559
baseline
▲ 0.50% · 4.625%
HK$36,381
+HK$1,822/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,118/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,367
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,467
−HK$1,118/mo
Today · 4.125%
HK$37,585
baseline
▲ 0.50% · 4.625%
HK$39,872
+HK$2,287/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,170/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,345
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,401
−HK$1,070/mo
Today · 4.125%
HK$41,471
baseline
▲ 0.50% · 4.625%
HK$43,657
+HK$2,186/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$82,942/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,262
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,545
−HK$1,304/mo
Today · 4.125%
HK$43,849
baseline
▲ 0.50% · 4.625%
HK$46,517
+HK$2,668/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,698/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,903
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,134
−HK$1,249/mo
Today · 4.125%
HK$48,383
baseline
▲ 0.50% · 4.625%
HK$50,933
+HK$2,550/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,766/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,051
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,701
−HK$1,676/mo
Today · 4.125%
HK$56,377
baseline
▲ 0.50% · 4.625%
HK$59,808
+HK$3,431/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,754/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,018
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,601
−HK$1,606/mo
Today · 4.125%
HK$62,207
baseline
▲ 0.50% · 4.625%
HK$65,486
+HK$3,279/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,414/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,691 · Scale 2, in force from 26 Feb 2026)