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$29,481
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,398
−HK$931/mo
Today · 4.125%
HK$31,329
baseline
▲ 0.50% · 4.625%
HK$33,236
+HK$1,907/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,658/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,797
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,677
−HK$892/mo
Today · 4.125%
HK$34,569
baseline
▲ 0.50% · 4.625%
HK$36,391
+HK$1,822/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,138/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,377
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,477
−HK$1,118/mo
Today · 4.125%
HK$37,595
baseline
▲ 0.50% · 4.625%
HK$39,883
+HK$2,288/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$75,190/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,357
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,412
−HK$1,071/mo
Today · 4.125%
HK$41,483
baseline
▲ 0.50% · 4.625%
HK$43,669
+HK$2,186/mo
Deposit HK$5.17M · loan HK$7.76M · min. income ≈ HK$82,966/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$484,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,273
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,557
−HK$1,304/mo
Today · 4.125%
HK$43,861
baseline
▲ 0.50% · 4.625%
HK$46,530
+HK$2,669/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,722/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,916
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,147
−HK$1,250/mo
Today · 4.125%
HK$48,397
baseline
▲ 0.50% · 4.625%
HK$50,948
+HK$2,551/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,794/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,065
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,716
−HK$1,677/mo
Today · 4.125%
HK$56,393
baseline
▲ 0.50% · 4.625%
HK$59,824
+HK$3,431/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$112,786/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,035
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,618
−HK$1,606/mo
Today · 4.125%
HK$62,224
baseline
▲ 0.50% · 4.625%
HK$65,504
+HK$3,280/mo
Deposit HK$1.29M · loan HK$11.64M · min. income ≈ HK$124,448/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,827 · Scale 2, in force from 26 Feb 2026)