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$29,441
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,357
−HK$931/mo
Today · 4.125%
HK$31,288
baseline
▲ 0.50% · 4.625%
HK$33,191
+HK$1,903/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,576/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,753
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,632
−HK$891/mo
Today · 4.125%
HK$34,523
baseline
▲ 0.50% · 4.625%
HK$36,342
+HK$1,819/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,046/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,330
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,429
−HK$1,116/mo
Today · 4.125%
HK$37,545
baseline
▲ 0.50% · 4.625%
HK$39,830
+HK$2,285/mo
Deposit HK$5.16M · loan HK$7.75M · min. income ≈ HK$75,090/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,304
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,358
−HK$1,069/mo
Today · 4.125%
HK$41,427
baseline
▲ 0.50% · 4.625%
HK$43,611
+HK$2,184/mo
Deposit HK$5.16M · loan HK$7.75M · min. income ≈ HK$82,854/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,218
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,500
−HK$1,303/mo
Today · 4.125%
HK$43,803
baseline
▲ 0.50% · 4.625%
HK$46,468
+HK$2,665/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$87,606/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,854
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,084
−HK$1,248/mo
Today · 4.125%
HK$48,332
baseline
▲ 0.50% · 4.625%
HK$50,879
+HK$2,547/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$96,664/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,994
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,643
−HK$1,675/mo
Today · 4.125%
HK$56,318
baseline
▲ 0.50% · 4.625%
HK$59,744
+HK$3,426/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,636/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,956
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,537
−HK$1,604/mo
Today · 4.125%
HK$62,141
baseline
▲ 0.50% · 4.625%
HK$65,416
+HK$3,275/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$124,282/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,178 · Scale 2, in force from 26 Feb 2026)