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$29,472
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,389
−HK$931/mo
Today · 4.125%
HK$31,320
baseline
▲ 0.50% · 4.625%
HK$33,226
+HK$1,906/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,640/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,787
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,667
−HK$892/mo
Today · 4.125%
HK$34,559
baseline
▲ 0.50% · 4.625%
HK$36,380
+HK$1,821/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$484,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,366
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,466
−HK$1,118/mo
Today · 4.125%
HK$37,584
baseline
▲ 0.50% · 4.625%
HK$39,871
+HK$2,287/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,168/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,345
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,400
−HK$1,070/mo
Today · 4.125%
HK$41,470
baseline
▲ 0.50% · 4.625%
HK$43,656
+HK$2,186/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,940/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,261
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,544
−HK$1,304/mo
Today · 4.125%
HK$43,848
baseline
▲ 0.50% · 4.625%
HK$46,516
+HK$2,668/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,696/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,902
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,133
−HK$1,249/mo
Today · 4.125%
HK$48,382
baseline
▲ 0.50% · 4.625%
HK$50,932
+HK$2,550/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,764/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,049
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,700
−HK$1,676/mo
Today · 4.125%
HK$56,376
baseline
▲ 0.50% · 4.625%
HK$59,806
+HK$3,430/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,752/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,017
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,600
−HK$1,606/mo
Today · 4.125%
HK$62,206
baseline
▲ 0.50% · 4.625%
HK$65,484
+HK$3,278/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,412/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,682 · Scale 2, in force from 26 Feb 2026)