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$29,481
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,398
−HK$932/mo
Today · 4.125%
HK$31,330
baseline
▲ 0.50% · 4.625%
HK$33,236
+HK$1,906/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,660/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,797
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,677
−HK$892/mo
Today · 4.125%
HK$34,569
baseline
▲ 0.50% · 4.625%
HK$36,391
+HK$1,822/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,138/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,377
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,478
−HK$1,118/mo
Today · 4.125%
HK$37,596
baseline
▲ 0.50% · 4.625%
HK$39,883
+HK$2,287/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,192/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,357
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,412
−HK$1,071/mo
Today · 4.125%
HK$41,483
baseline
▲ 0.50% · 4.625%
HK$43,670
+HK$2,187/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$82,966/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,273
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,557
−HK$1,305/mo
Today · 4.125%
HK$43,862
baseline
▲ 0.50% · 4.625%
HK$46,530
+HK$2,668/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,724/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,916
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,148
−HK$1,249/mo
Today · 4.125%
HK$48,397
baseline
▲ 0.50% · 4.625%
HK$50,948
+HK$2,551/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,794/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,066
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,716
−HK$1,678/mo
Today · 4.125%
HK$56,394
baseline
▲ 0.50% · 4.625%
HK$59,825
+HK$3,431/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,788/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,035
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,618
−HK$1,607/mo
Today · 4.125%
HK$62,225
baseline
▲ 0.50% · 4.625%
HK$65,505
+HK$3,280/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,450/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,831 · Scale 2, in force from 26 Feb 2026)