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$29,462
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,378
−HK$931/mo
Today · 4.125%
HK$31,309
baseline
▲ 0.50% · 4.625%
HK$33,214
+HK$1,905/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,618/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,776
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,655
−HK$892/mo
Today · 4.125%
HK$34,547
baseline
▲ 0.50% · 4.625%
HK$36,368
+HK$1,821/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,094/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,354
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$36,454
−HK$1,117/mo
Today · 4.125%
HK$37,571
baseline
▲ 0.50% · 4.625%
HK$39,857
+HK$2,286/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,142/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,331
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,386
−HK$1,070/mo
Today · 4.125%
HK$41,456
baseline
▲ 0.50% · 4.625%
HK$43,641
+HK$2,185/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,912/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,247
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,530
−HK$1,303/mo
Today · 4.125%
HK$43,833
baseline
▲ 0.50% · 4.625%
HK$46,500
+HK$2,667/mo
Deposit HK$3.88M · loan HK$9.04M · min. income ≈ HK$87,666/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,886
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,117
−HK$1,248/mo
Today · 4.125%
HK$48,365
baseline
▲ 0.50% · 4.625%
HK$50,915
+HK$2,550/mo
Deposit HK$3.88M · loan HK$9.04M · min. income ≈ HK$96,730/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,031
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,681
−HK$1,676/mo
Today · 4.125%
HK$56,357
baseline
▲ 0.50% · 4.625%
HK$59,786
+HK$3,429/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$112,714/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,997
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,579
−HK$1,605/mo
Today · 4.125%
HK$62,184
baseline
▲ 0.50% · 4.625%
HK$65,462
+HK$3,278/mo
Deposit HK$1.29M · loan HK$11.63M · min. income ≈ HK$124,368/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,515 · Scale 2, in force from 26 Feb 2026)