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$29,465
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,381
−HK$932/mo
Today · 4.125%
HK$31,313
baseline
▲ 0.50% · 4.625%
HK$33,218
+HK$1,905/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,626/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,779
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,659
−HK$891/mo
Today · 4.125%
HK$34,550
baseline
▲ 0.50% · 4.625%
HK$36,372
+HK$1,822/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,100/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,358
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,458
−HK$1,117/mo
Today · 4.125%
HK$37,575
baseline
▲ 0.50% · 4.625%
HK$39,861
+HK$2,286/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,150/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,335
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,390
−HK$1,070/mo
Today · 4.125%
HK$41,460
baseline
▲ 0.50% · 4.625%
HK$43,646
+HK$2,186/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,920/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,251
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,534
−HK$1,304/mo
Today · 4.125%
HK$43,838
baseline
▲ 0.50% · 4.625%
HK$46,505
+HK$2,667/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,676/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,891
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,122
−HK$1,248/mo
Today · 4.125%
HK$48,370
baseline
▲ 0.50% · 4.625%
HK$50,920
+HK$2,550/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,740/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,037
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,687
−HK$1,676/mo
Today · 4.125%
HK$56,363
baseline
▲ 0.50% · 4.625%
HK$59,792
+HK$3,429/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,726/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,003
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,585
−HK$1,606/mo
Today · 4.125%
HK$62,191
baseline
▲ 0.50% · 4.625%
HK$65,469
+HK$3,278/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,382/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,566 · Scale 2, in force from 26 Feb 2026)