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$29,450
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,366
−HK$931/mo
Today · 4.125%
HK$31,297
baseline
▲ 0.50% · 4.625%
HK$33,202
+HK$1,905/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,594/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,763
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,642
−HK$891/mo
Today · 4.125%
HK$34,533
baseline
▲ 0.50% · 4.625%
HK$36,354
+HK$1,821/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,066/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,340
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,440
−HK$1,117/mo
Today · 4.125%
HK$37,557
baseline
▲ 0.50% · 4.625%
HK$39,842
+HK$2,285/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$484,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,316
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,370
−HK$1,070/mo
Today · 4.125%
HK$41,440
baseline
▲ 0.50% · 4.625%
HK$43,624
+HK$2,184/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,880/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,231
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,513
−HK$1,303/mo
Today · 4.125%
HK$43,816
baseline
▲ 0.50% · 4.625%
HK$46,482
+HK$2,666/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$87,632/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,869
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,099
−HK$1,248/mo
Today · 4.125%
HK$48,347
baseline
▲ 0.50% · 4.625%
HK$50,895
+HK$2,548/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$96,694/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,011
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,660
−HK$1,675/mo
Today · 4.125%
HK$56,335
baseline
▲ 0.50% · 4.625%
HK$59,763
+HK$3,428/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,670/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,974
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,556
−HK$1,604/mo
Today · 4.125%
HK$62,160
baseline
▲ 0.50% · 4.625%
HK$65,437
+HK$3,277/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$124,320/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,328 · Scale 2, in force from 26 Feb 2026)