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$29,456
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,372
−HK$931/mo
Today · 4.125%
HK$31,303
baseline
▲ 0.50% · 4.625%
HK$33,208
+HK$1,905/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,606/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,769
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,648
−HK$892/mo
Today · 4.125%
HK$34,540
baseline
▲ 0.50% · 4.625%
HK$36,360
+HK$1,820/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,080/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,347
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,446
−HK$1,117/mo
Today · 4.125%
HK$37,563
baseline
▲ 0.50% · 4.625%
HK$39,849
+HK$2,286/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,126/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,323
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,378
−HK$1,069/mo
Today · 4.125%
HK$41,447
baseline
▲ 0.50% · 4.625%
HK$43,632
+HK$2,185/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,894/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,238
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,521
−HK$1,303/mo
Today · 4.125%
HK$43,824
baseline
▲ 0.50% · 4.625%
HK$46,491
+HK$2,667/mo
Deposit HK$3.88M · loan HK$9.04M · min. income ≈ HK$87,648/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,877
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,107
−HK$1,248/mo
Today · 4.125%
HK$48,355
baseline
▲ 0.50% · 4.625%
HK$50,904
+HK$2,549/mo
Deposit HK$3.88M · loan HK$9.04M · min. income ≈ HK$96,710/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,020
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,669
−HK$1,676/mo
Today · 4.125%
HK$56,345
baseline
▲ 0.50% · 4.625%
HK$59,774
+HK$3,429/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,690/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,984
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,566
−HK$1,605/mo
Today · 4.125%
HK$62,171
baseline
▲ 0.50% · 4.625%
HK$65,448
+HK$3,277/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,342/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,414 · Scale 2, in force from 26 Feb 2026)