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$29,471
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,388
−HK$931/mo
Today · 4.125%
HK$31,319
baseline
▲ 0.50% · 4.625%
HK$33,225
+HK$1,906/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,638/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,787
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,666
−HK$892/mo
Today · 4.125%
HK$34,558
baseline
▲ 0.50% · 4.625%
HK$36,380
+HK$1,822/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,116/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,366
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,466
−HK$1,117/mo
Today · 4.125%
HK$37,583
baseline
▲ 0.50% · 4.625%
HK$39,870
+HK$2,287/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,166/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,344
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,399
−HK$1,071/mo
Today · 4.125%
HK$41,470
baseline
▲ 0.50% · 4.625%
HK$43,655
+HK$2,185/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,940/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,260
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,543
−HK$1,304/mo
Today · 4.125%
HK$43,847
baseline
▲ 0.50% · 4.625%
HK$46,515
+HK$2,668/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,694/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,901
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,132
−HK$1,249/mo
Today · 4.125%
HK$48,381
baseline
▲ 0.50% · 4.625%
HK$50,931
+HK$2,550/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,762/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,048
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,699
−HK$1,676/mo
Today · 4.125%
HK$56,375
baseline
▲ 0.50% · 4.625%
HK$59,805
+HK$3,430/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,750/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,016
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,599
−HK$1,605/mo
Today · 4.125%
HK$62,204
baseline
▲ 0.50% · 4.625%
HK$65,483
+HK$3,279/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,408/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,672 · Scale 2, in force from 26 Feb 2026)