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$29,461
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,377
−HK$931/mo
Today · 4.125%
HK$31,308
baseline
▲ 0.50% · 4.625%
HK$33,214
+HK$1,906/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,616/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,775
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,654
−HK$892/mo
Today · 4.125%
HK$34,546
baseline
▲ 0.50% · 4.625%
HK$36,367
+HK$1,821/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,092/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,353
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,453
−HK$1,117/mo
Today · 4.125%
HK$37,570
baseline
▲ 0.50% · 4.625%
HK$39,856
+HK$2,286/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,140/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,330
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,385
−HK$1,070/mo
Today · 4.125%
HK$41,455
baseline
▲ 0.50% · 4.625%
HK$43,640
+HK$2,185/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,910/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,245
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,528
−HK$1,304/mo
Today · 4.125%
HK$43,832
baseline
▲ 0.50% · 4.625%
HK$46,499
+HK$2,667/mo
Deposit HK$3.88M · loan HK$9.04M · min. income ≈ HK$87,664/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,885
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,116
−HK$1,248/mo
Today · 4.125%
HK$48,364
baseline
▲ 0.50% · 4.625%
HK$50,913
+HK$2,549/mo
Deposit HK$3.88M · loan HK$9.04M · min. income ≈ HK$96,728/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,030
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,679
−HK$1,676/mo
Today · 4.125%
HK$56,355
baseline
▲ 0.50% · 4.625%
HK$59,784
+HK$3,429/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,710/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,995
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,577
−HK$1,605/mo
Today · 4.125%
HK$62,182
baseline
▲ 0.50% · 4.625%
HK$65,460
+HK$3,278/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,364/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,502 · Scale 2, in force from 26 Feb 2026)