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$29,467
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,383
−HK$932/mo
Today · 4.125%
HK$31,315
baseline
▲ 0.50% · 4.625%
HK$33,220
+HK$1,905/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,630/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,781
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,661
−HK$891/mo
Today · 4.125%
HK$34,552
baseline
▲ 0.50% · 4.625%
HK$36,374
+HK$1,822/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,104/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,360
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,460
−HK$1,117/mo
Today · 4.125%
HK$37,577
baseline
▲ 0.50% · 4.625%
HK$39,864
+HK$2,287/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,154/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,338
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,393
−HK$1,070/mo
Today · 4.125%
HK$41,463
baseline
▲ 0.50% · 4.625%
HK$43,649
+HK$2,186/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,926/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,253
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,537
−HK$1,303/mo
Today · 4.125%
HK$43,840
baseline
▲ 0.50% · 4.625%
HK$46,508
+HK$2,668/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,680/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,894
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,125
−HK$1,248/mo
Today · 4.125%
HK$48,373
baseline
▲ 0.50% · 4.625%
HK$50,923
+HK$2,550/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,746/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,040
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,690
−HK$1,676/mo
Today · 4.125%
HK$56,366
baseline
▲ 0.50% · 4.625%
HK$59,796
+HK$3,430/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,732/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,007
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,589
−HK$1,605/mo
Today · 4.125%
HK$62,194
baseline
▲ 0.50% · 4.625%
HK$65,473
+HK$3,279/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,388/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,596 · Scale 2, in force from 26 Feb 2026)