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$29,457
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,373
−HK$931/mo
Today · 4.125%
HK$31,304
baseline
▲ 0.50% · 4.625%
HK$33,209
+HK$1,905/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,608/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,771
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,650
−HK$891/mo
Today · 4.125%
HK$34,541
baseline
▲ 0.50% · 4.625%
HK$36,362
+HK$1,821/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,082/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,349
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,448
−HK$1,117/mo
Today · 4.125%
HK$37,565
baseline
▲ 0.50% · 4.625%
HK$39,851
+HK$2,286/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,130/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,325
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,380
−HK$1,070/mo
Today · 4.125%
HK$41,450
baseline
▲ 0.50% · 4.625%
HK$43,634
+HK$2,184/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,900/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,240
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,523
−HK$1,303/mo
Today · 4.125%
HK$43,826
baseline
▲ 0.50% · 4.625%
HK$46,493
+HK$2,667/mo
Deposit HK$3.88M · loan HK$9.04M · min. income ≈ HK$87,652/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,879
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,110
−HK$1,248/mo
Today · 4.125%
HK$48,358
baseline
▲ 0.50% · 4.625%
HK$50,907
+HK$2,549/mo
Deposit HK$3.88M · loan HK$9.04M · min. income ≈ HK$96,716/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,023
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,672
−HK$1,676/mo
Today · 4.125%
HK$56,348
baseline
▲ 0.50% · 4.625%
HK$59,777
+HK$3,429/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,696/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,987
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,569
−HK$1,605/mo
Today · 4.125%
HK$62,174
baseline
▲ 0.50% · 4.625%
HK$65,452
+HK$3,278/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,348/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,439 · Scale 2, in force from 26 Feb 2026)