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$29,440
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,356
−HK$930/mo
Today · 4.125%
HK$31,286
baseline
▲ 0.50% · 4.625%
HK$33,190
+HK$1,904/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,572/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,752
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,630
−HK$891/mo
Today · 4.125%
HK$34,521
baseline
▲ 0.50% · 4.625%
HK$36,341
+HK$1,820/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,042/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,328
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,427
−HK$1,116/mo
Today · 4.125%
HK$37,543
baseline
▲ 0.50% · 4.625%
HK$39,828
+HK$2,285/mo
Deposit HK$5.16M · loan HK$7.75M · min. income ≈ HK$75,086/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,302
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,356
−HK$1,069/mo
Today · 4.125%
HK$41,425
baseline
▲ 0.50% · 4.625%
HK$43,609
+HK$2,184/mo
Deposit HK$5.16M · loan HK$7.75M · min. income ≈ HK$82,850/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,216
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,498
−HK$1,302/mo
Today · 4.125%
HK$43,800
baseline
▲ 0.50% · 4.625%
HK$46,466
+HK$2,666/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$87,600/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,852
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,082
−HK$1,247/mo
Today · 4.125%
HK$48,329
baseline
▲ 0.50% · 4.625%
HK$50,877
+HK$2,548/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$96,658/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,992
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,640
−HK$1,675/mo
Today · 4.125%
HK$56,315
baseline
▲ 0.50% · 4.625%
HK$59,741
+HK$3,426/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,630/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,953
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,534
−HK$1,604/mo
Today · 4.125%
HK$62,138
baseline
▲ 0.50% · 4.625%
HK$65,413
+HK$3,275/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$124,276/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,154 · Scale 2, in force from 26 Feb 2026)