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$29,438
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,353
−HK$931/mo
Today · 4.125%
HK$31,284
baseline
▲ 0.50% · 4.625%
HK$33,187
+HK$1,903/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$62,568/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,749
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,627
−HK$891/mo
Today · 4.125%
HK$34,518
baseline
▲ 0.50% · 4.625%
HK$36,338
+HK$1,820/mo
Deposit HK$6.45M · loan HK$6.45M · min. income ≈ HK$69,036/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,325
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,424
−HK$1,116/mo
Today · 4.125%
HK$37,540
baseline
▲ 0.50% · 4.625%
HK$39,825
+HK$2,285/mo
Deposit HK$5.16M · loan HK$7.75M · min. income ≈ HK$75,080/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,299
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,353
−HK$1,069/mo
Today · 4.125%
HK$41,422
baseline
▲ 0.50% · 4.625%
HK$43,606
+HK$2,184/mo
Deposit HK$5.16M · loan HK$7.75M · min. income ≈ HK$82,844/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,213
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,495
−HK$1,302/mo
Today · 4.125%
HK$43,797
baseline
▲ 0.50% · 4.625%
HK$46,462
+HK$2,665/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$87,594/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,849
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,078
−HK$1,248/mo
Today · 4.125%
HK$48,326
baseline
▲ 0.50% · 4.625%
HK$50,873
+HK$2,547/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$96,652/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,988
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,636
−HK$1,675/mo
Today · 4.125%
HK$56,311
baseline
▲ 0.50% · 4.625%
HK$59,737
+HK$3,426/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,622/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,948
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,529
−HK$1,604/mo
Today · 4.125%
HK$62,133
baseline
▲ 0.50% · 4.625%
HK$65,408
+HK$3,275/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$124,266/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,118 · Scale 2, in force from 26 Feb 2026)