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$29,445
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,361
−HK$931/mo
Today · 4.125%
HK$31,292
baseline
▲ 0.50% · 4.625%
HK$33,196
+HK$1,904/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,584/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,757
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,636
−HK$891/mo
Today · 4.125%
HK$34,527
baseline
▲ 0.50% · 4.625%
HK$36,347
+HK$1,820/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,054/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,334
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,433
−HK$1,117/mo
Today · 4.125%
HK$37,550
baseline
▲ 0.50% · 4.625%
HK$39,835
+HK$2,285/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,100/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,309
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,363
−HK$1,070/mo
Today · 4.125%
HK$41,433
baseline
▲ 0.50% · 4.625%
HK$43,617
+HK$2,184/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,866/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,223
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,505
−HK$1,303/mo
Today · 4.125%
HK$43,808
baseline
▲ 0.50% · 4.625%
HK$46,474
+HK$2,666/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$87,616/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,860
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,090
−HK$1,248/mo
Today · 4.125%
HK$48,338
baseline
▲ 0.50% · 4.625%
HK$50,886
+HK$2,548/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$96,676/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,001
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,650
−HK$1,675/mo
Today · 4.125%
HK$56,325
baseline
▲ 0.50% · 4.625%
HK$59,752
+HK$3,427/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,650/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,963
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,545
−HK$1,604/mo
Today · 4.125%
HK$62,149
baseline
▲ 0.50% · 4.625%
HK$65,425
+HK$3,276/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$124,298/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,240 · Scale 2, in force from 26 Feb 2026)