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$29,451
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,367
−HK$931/mo
Today · 4.125%
HK$31,298
baseline
▲ 0.50% · 4.625%
HK$33,202
+HK$1,904/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,596/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,764
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,643
−HK$891/mo
Today · 4.125%
HK$34,534
baseline
▲ 0.50% · 4.625%
HK$36,354
+HK$1,820/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,068/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,341
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,440
−HK$1,117/mo
Today · 4.125%
HK$37,557
baseline
▲ 0.50% · 4.625%
HK$39,843
+HK$2,286/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,114/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,317
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,371
−HK$1,070/mo
Today · 4.125%
HK$41,441
baseline
▲ 0.50% · 4.625%
HK$43,625
+HK$2,184/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,882/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,231
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,514
−HK$1,303/mo
Today · 4.125%
HK$43,817
baseline
▲ 0.50% · 4.625%
HK$46,483
+HK$2,666/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$87,634/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,869
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,100
−HK$1,248/mo
Today · 4.125%
HK$48,348
baseline
▲ 0.50% · 4.625%
HK$50,896
+HK$2,548/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$96,696/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,012
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,661
−HK$1,675/mo
Today · 4.125%
HK$56,336
baseline
▲ 0.50% · 4.625%
HK$59,764
+HK$3,428/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,672/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,975
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,557
−HK$1,604/mo
Today · 4.125%
HK$62,161
baseline
▲ 0.50% · 4.625%
HK$65,438
+HK$3,277/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$124,322/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,336 · Scale 2, in force from 26 Feb 2026)