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$29,443
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,359
−HK$930/mo
Today · 4.125%
HK$31,289
baseline
▲ 0.50% · 4.625%
HK$33,193
+HK$1,904/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,578/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,755
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,634
−HK$891/mo
Today · 4.125%
HK$34,525
baseline
▲ 0.50% · 4.625%
HK$36,345
+HK$1,820/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,050/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,332
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,431
−HK$1,116/mo
Today · 4.125%
HK$37,547
baseline
▲ 0.50% · 4.625%
HK$39,832
+HK$2,285/mo
Deposit HK$5.16M · loan HK$7.75M · min. income ≈ HK$75,094/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,306
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,360
−HK$1,070/mo
Today · 4.125%
HK$41,430
baseline
▲ 0.50% · 4.625%
HK$43,614
+HK$2,184/mo
Deposit HK$5.16M · loan HK$7.75M · min. income ≈ HK$82,860/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,220
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,502
−HK$1,303/mo
Today · 4.125%
HK$43,805
baseline
▲ 0.50% · 4.625%
HK$46,471
+HK$2,666/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$87,610/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,857
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,087
−HK$1,248/mo
Today · 4.125%
HK$48,335
baseline
▲ 0.50% · 4.625%
HK$50,882
+HK$2,547/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$96,670/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,998
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,646
−HK$1,675/mo
Today · 4.125%
HK$56,321
baseline
▲ 0.50% · 4.625%
HK$59,748
+HK$3,427/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,642/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,959
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,540
−HK$1,605/mo
Today · 4.125%
HK$62,145
baseline
▲ 0.50% · 4.625%
HK$65,420
+HK$3,275/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$124,290/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,207 · Scale 2, in force from 26 Feb 2026)