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$29,447
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,363
−HK$930/mo
Today · 4.125%
HK$31,293
baseline
▲ 0.50% · 4.625%
HK$33,198
+HK$1,905/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,586/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,759
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,638
−HK$891/mo
Today · 4.125%
HK$34,529
baseline
▲ 0.50% · 4.625%
HK$36,349
+HK$1,820/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,058/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,336
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,435
−HK$1,117/mo
Today · 4.125%
HK$37,552
baseline
▲ 0.50% · 4.625%
HK$39,837
+HK$2,285/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,104/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,311
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,365
−HK$1,070/mo
Today · 4.125%
HK$41,435
baseline
▲ 0.50% · 4.625%
HK$43,619
+HK$2,184/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,870/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,226
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,508
−HK$1,303/mo
Today · 4.125%
HK$43,811
baseline
▲ 0.50% · 4.625%
HK$46,477
+HK$2,666/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$87,622/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,863
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,093
−HK$1,248/mo
Today · 4.125%
HK$48,341
baseline
▲ 0.50% · 4.625%
HK$50,889
+HK$2,548/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$96,682/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,004
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,653
−HK$1,675/mo
Today · 4.125%
HK$56,328
baseline
▲ 0.50% · 4.625%
HK$59,756
+HK$3,428/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,656/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,967
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,548
−HK$1,605/mo
Today · 4.125%
HK$62,153
baseline
▲ 0.50% · 4.625%
HK$65,429
+HK$3,276/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$124,306/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,269 · Scale 2, in force from 26 Feb 2026)