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$29,482
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,399
−HK$932/mo
Today · 4.125%
HK$31,331
baseline
▲ 0.50% · 4.625%
HK$33,237
+HK$1,906/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,662/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,798
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,678
−HK$892/mo
Today · 4.125%
HK$34,570
baseline
▲ 0.50% · 4.625%
HK$36,393
+HK$1,823/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,140/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,378
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,479
−HK$1,118/mo
Today · 4.125%
HK$37,597
baseline
▲ 0.50% · 4.625%
HK$39,885
+HK$2,288/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,194/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,358
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,414
−HK$1,070/mo
Today · 4.125%
HK$41,484
baseline
▲ 0.50% · 4.625%
HK$43,671
+HK$2,187/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$82,968/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,275
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,559
−HK$1,304/mo
Today · 4.125%
HK$43,863
baseline
▲ 0.50% · 4.625%
HK$46,532
+HK$2,669/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,726/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,918
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,149
−HK$1,250/mo
Today · 4.125%
HK$48,399
baseline
▲ 0.50% · 4.625%
HK$50,950
+HK$2,551/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,798/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,068
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,718
−HK$1,677/mo
Today · 4.125%
HK$56,395
baseline
▲ 0.50% · 4.625%
HK$59,827
+HK$3,432/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,790/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,037
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,620
−HK$1,607/mo
Today · 4.125%
HK$62,227
baseline
▲ 0.50% · 4.625%
HK$65,507
+HK$3,280/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,454/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,847 · Scale 2, in force from 26 Feb 2026)