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$1,849/mo
▼ 0.25% · 3.875%
HK$30,393
−HK$932/mo
Today · 4.125%
HK$31,325
baseline
▲ 0.50% · 4.625%
HK$33,231
+HK$1,906/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,650/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,792
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,671
−HK$893/mo
Today · 4.125%
HK$34,564
baseline
▲ 0.50% · 4.625%
HK$36,386
+HK$1,822/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,128/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,371
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,472
−HK$1,118/mo
Today · 4.125%
HK$37,590
baseline
▲ 0.50% · 4.625%
HK$39,877
+HK$2,287/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,180/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,350
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,406
−HK$1,070/mo
Today · 4.125%
HK$41,476
baseline
▲ 0.50% · 4.625%
HK$43,663
+HK$2,187/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$484,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,267
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,550
−HK$1,305/mo
Today · 4.125%
HK$43,855
baseline
▲ 0.50% · 4.625%
HK$46,523
+HK$2,668/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,710/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,909
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,140
−HK$1,249/mo
Today · 4.125%
HK$48,389
baseline
▲ 0.50% · 4.625%
HK$50,940
+HK$2,551/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,778/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,057
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,708
−HK$1,676/mo
Today · 4.125%
HK$56,384
baseline
▲ 0.50% · 4.625%
HK$59,815
+HK$3,431/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,768/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,026
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,609
−HK$1,606/mo
Today · 4.125%
HK$62,215
baseline
▲ 0.50% · 4.625%
HK$65,494
+HK$3,279/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,430/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,753 · Scale 2, in force from 26 Feb 2026)