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$29,474
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,391
−HK$931/mo
Today · 4.125%
HK$31,322
baseline
▲ 0.50% · 4.625%
HK$33,228
+HK$1,906/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,644/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,790
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,669
−HK$892/mo
Today · 4.125%
HK$34,561
baseline
▲ 0.50% · 4.625%
HK$36,383
+HK$1,822/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,122/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,369
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,469
−HK$1,118/mo
Today · 4.125%
HK$37,587
baseline
▲ 0.50% · 4.625%
HK$39,874
+HK$2,287/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,174/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,348
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,403
−HK$1,071/mo
Today · 4.125%
HK$41,474
baseline
▲ 0.50% · 4.625%
HK$43,660
+HK$2,186/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$82,948/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,264
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,547
−HK$1,304/mo
Today · 4.125%
HK$43,851
baseline
▲ 0.50% · 4.625%
HK$46,520
+HK$2,669/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,702/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,906
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,137
−HK$1,249/mo
Today · 4.125%
HK$48,386
baseline
▲ 0.50% · 4.625%
HK$50,936
+HK$2,550/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,772/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,054
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,704
−HK$1,676/mo
Today · 4.125%
HK$56,380
baseline
▲ 0.50% · 4.625%
HK$59,811
+HK$3,431/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,760/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,022
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,604
−HK$1,606/mo
Today · 4.125%
HK$62,210
baseline
▲ 0.50% · 4.625%
HK$65,490
+HK$3,280/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,420/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,719 · Scale 2, in force from 26 Feb 2026)