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$29,470
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,387
−HK$931/mo
Today · 4.125%
HK$31,318
baseline
▲ 0.50% · 4.625%
HK$33,224
+HK$1,906/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,636/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,785
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,665
−HK$892/mo
Today · 4.125%
HK$34,557
baseline
▲ 0.50% · 4.625%
HK$36,378
+HK$1,821/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,114/mo (50% DSR)
Upfront cash ≈ HK$6.95M (deposit + AVD stamp duty HK$484,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,364
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,464
−HK$1,118/mo
Today · 4.125%
HK$37,582
baseline
▲ 0.50% · 4.625%
HK$39,869
+HK$2,287/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,164/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,342
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,397
−HK$1,071/mo
Today · 4.125%
HK$41,468
baseline
▲ 0.50% · 4.625%
HK$43,654
+HK$2,186/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,936/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,258
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,542
−HK$1,303/mo
Today · 4.125%
HK$43,845
baseline
▲ 0.50% · 4.625%
HK$46,513
+HK$2,668/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$87,690/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,899
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,130
−HK$1,249/mo
Today · 4.125%
HK$48,379
baseline
▲ 0.50% · 4.625%
HK$50,929
+HK$2,550/mo
Deposit HK$3.88M · loan HK$9.05M · min. income ≈ HK$96,758/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,046
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,696
−HK$1,677/mo
Today · 4.125%
HK$56,373
baseline
▲ 0.50% · 4.625%
HK$59,803
+HK$3,430/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,746/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,013
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,596
−HK$1,606/mo
Today · 4.125%
HK$62,202
baseline
▲ 0.50% · 4.625%
HK$65,481
+HK$3,279/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,404/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,653 · Scale 2, in force from 26 Feb 2026)