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$29,476
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,393
−HK$931/mo
Today · 4.125%
HK$31,324
baseline
▲ 0.50% · 4.625%
HK$33,230
+HK$1,906/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,648/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,791
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,671
−HK$892/mo
Today · 4.125%
HK$34,563
baseline
▲ 0.50% · 4.625%
HK$36,385
+HK$1,822/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,126/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,371
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,471
−HK$1,118/mo
Today · 4.125%
HK$37,589
baseline
▲ 0.50% · 4.625%
HK$39,876
+HK$2,287/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,178/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,350
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,405
−HK$1,071/mo
Today · 4.125%
HK$41,476
baseline
▲ 0.50% · 4.625%
HK$43,662
+HK$2,186/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$82,952/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,266
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,550
−HK$1,304/mo
Today · 4.125%
HK$43,854
baseline
▲ 0.50% · 4.625%
HK$46,522
+HK$2,668/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,708/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,908
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,139
−HK$1,249/mo
Today · 4.125%
HK$48,388
baseline
▲ 0.50% · 4.625%
HK$50,939
+HK$2,551/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,776/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,056
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,707
−HK$1,676/mo
Today · 4.125%
HK$56,383
baseline
▲ 0.50% · 4.625%
HK$59,814
+HK$3,431/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,766/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,024
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,607
−HK$1,606/mo
Today · 4.125%
HK$62,213
baseline
▲ 0.50% · 4.625%
HK$65,493
+HK$3,280/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,426/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,743 · Scale 2, in force from 26 Feb 2026)