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$1,846/mo
▼ 0.25% · 3.875%
HK$30,357
−HK$930/mo
Today · 4.125%
HK$31,287
baseline
▲ 0.50% · 4.625%
HK$33,191
+HK$1,904/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,574/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,753
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,631
−HK$892/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$484,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,329
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,428
−HK$1,117/mo
Today · 4.125%
HK$37,545
baseline
▲ 0.50% · 4.625%
HK$39,829
+HK$2,284/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$484,175 · 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$484,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,218
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,500
−HK$1,302/mo
Today · 4.125%
HK$43,802
baseline
▲ 0.50% · 4.625%
HK$46,468
+HK$2,666/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$87,604/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,175 · 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$484,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,994
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,642
−HK$1,675/mo
Today · 4.125%
HK$56,317
baseline
▲ 0.50% · 4.625%
HK$59,744
+HK$3,427/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,634/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,955
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,536
−HK$1,605/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$484,175 · Scale 2, in force from 26 Feb 2026)