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$29,452
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,368
−HK$930/mo
Today · 4.125%
HK$31,298
baseline
▲ 0.50% · 4.625%
HK$33,203
+HK$1,905/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,596/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,765
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,643
−HK$892/mo
Today · 4.125%
HK$34,535
baseline
▲ 0.50% · 4.625%
HK$36,355
+HK$1,820/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,070/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,342
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,441
−HK$1,117/mo
Today · 4.125%
HK$37,558
baseline
▲ 0.50% · 4.625%
HK$39,843
+HK$2,285/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,116/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,318
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,372
−HK$1,070/mo
Today · 4.125%
HK$41,442
baseline
▲ 0.50% · 4.625%
HK$43,626
+HK$2,184/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,884/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,232
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,515
−HK$1,303/mo
Today · 4.125%
HK$43,818
baseline
▲ 0.50% · 4.625%
HK$46,484
+HK$2,666/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$87,636/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,870
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,101
−HK$1,248/mo
Today · 4.125%
HK$48,349
baseline
▲ 0.50% · 4.625%
HK$50,897
+HK$2,548/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$96,698/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,013
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,662
−HK$1,675/mo
Today · 4.125%
HK$56,337
baseline
▲ 0.50% · 4.625%
HK$59,765
+HK$3,428/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,674/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,976
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,558
−HK$1,605/mo
Today · 4.125%
HK$62,163
baseline
▲ 0.50% · 4.625%
HK$65,439
+HK$3,276/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$124,326/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,347 · Scale 2, in force from 26 Feb 2026)