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$29,475
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,392
−HK$931/mo
Today · 4.125%
HK$31,323
baseline
▲ 0.50% · 4.625%
HK$33,229
+HK$1,906/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,646/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,790
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,670
−HK$892/mo
Today · 4.125%
HK$34,562
baseline
▲ 0.50% · 4.625%
HK$36,384
+HK$1,822/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,124/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,370
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,470
−HK$1,118/mo
Today · 4.125%
HK$37,588
baseline
▲ 0.50% · 4.625%
HK$39,875
+HK$2,287/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,176/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,349
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,404
−HK$1,070/mo
Today · 4.125%
HK$41,474
baseline
▲ 0.50% · 4.625%
HK$43,661
+HK$2,187/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$82,948/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,265
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,548
−HK$1,304/mo
Today · 4.125%
HK$43,852
baseline
▲ 0.50% · 4.625%
HK$46,521
+HK$2,669/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,704/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,907
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,138
−HK$1,249/mo
Today · 4.125%
HK$48,387
baseline
▲ 0.50% · 4.625%
HK$50,937
+HK$2,550/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,774/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,055
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,705
−HK$1,677/mo
Today · 4.125%
HK$56,382
baseline
▲ 0.50% · 4.625%
HK$59,812
+HK$3,430/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,764/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,023
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,606
−HK$1,606/mo
Today · 4.125%
HK$62,212
baseline
▲ 0.50% · 4.625%
HK$65,491
+HK$3,279/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,424/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,730 · Scale 2, in force from 26 Feb 2026)