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$29,460
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,376
−HK$931/mo
Today · 4.125%
HK$31,307
baseline
▲ 0.50% · 4.625%
HK$33,212
+HK$1,905/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,614/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,774
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,653
−HK$892/mo
Today · 4.125%
HK$34,545
baseline
▲ 0.50% · 4.625%
HK$36,365
+HK$1,820/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,090/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,352
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,452
−HK$1,117/mo
Today · 4.125%
HK$37,569
baseline
▲ 0.50% · 4.625%
HK$39,855
+HK$2,286/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,138/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,329
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,383
−HK$1,070/mo
Today · 4.125%
HK$41,453
baseline
▲ 0.50% · 4.625%
HK$43,639
+HK$2,186/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,906/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,244
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,527
−HK$1,303/mo
Today · 4.125%
HK$43,830
baseline
▲ 0.50% · 4.625%
HK$46,497
+HK$2,667/mo
Deposit HK$3.88M · loan HK$9.04M · min. income ≈ HK$87,660/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,883
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,114
−HK$1,248/mo
Today · 4.125%
HK$48,362
baseline
▲ 0.50% · 4.625%
HK$50,912
+HK$2,550/mo
Deposit HK$3.88M · loan HK$9.04M · min. income ≈ HK$96,724/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,028
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,677
−HK$1,676/mo
Today · 4.125%
HK$56,353
baseline
▲ 0.50% · 4.625%
HK$59,782
+HK$3,429/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,706/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,993
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,575
−HK$1,605/mo
Today · 4.125%
HK$62,180
baseline
▲ 0.50% · 4.625%
HK$65,458
+HK$3,278/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,360/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,484 · Scale 2, in force from 26 Feb 2026)