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$29,464
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,381
−HK$931/mo
Today · 4.125%
HK$31,312
baseline
▲ 0.50% · 4.625%
HK$33,217
+HK$1,905/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,624/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,779
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,658
−HK$892/mo
Today · 4.125%
HK$34,550
baseline
▲ 0.50% · 4.625%
HK$36,371
+HK$1,821/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,100/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,357
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,457
−HK$1,117/mo
Today · 4.125%
HK$37,574
baseline
▲ 0.50% · 4.625%
HK$39,861
+HK$2,287/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,148/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,335
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,390
−HK$1,070/mo
Today · 4.125%
HK$41,460
baseline
▲ 0.50% · 4.625%
HK$43,645
+HK$2,185/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,920/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,250
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,533
−HK$1,304/mo
Today · 4.125%
HK$43,837
baseline
▲ 0.50% · 4.625%
HK$46,504
+HK$2,667/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,674/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,890
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,121
−HK$1,249/mo
Today · 4.125%
HK$48,370
baseline
▲ 0.50% · 4.625%
HK$50,919
+HK$2,549/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,740/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,036
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,686
−HK$1,676/mo
Today · 4.125%
HK$56,362
baseline
▲ 0.50% · 4.625%
HK$59,791
+HK$3,429/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,724/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,002
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,584
−HK$1,606/mo
Today · 4.125%
HK$62,190
baseline
▲ 0.50% · 4.625%
HK$65,468
+HK$3,278/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,380/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,557 · Scale 2, in force from 26 Feb 2026)