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$29,439
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,355
−HK$930/mo
Today · 4.125%
HK$31,285
baseline
▲ 0.50% · 4.625%
HK$33,189
+HK$1,904/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,570/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,751
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,629
−HK$891/mo
Today · 4.125%
HK$34,520
baseline
▲ 0.50% · 4.625%
HK$36,340
+HK$1,820/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,040/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,327
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,426
−HK$1,116/mo
Today · 4.125%
HK$37,542
baseline
▲ 0.50% · 4.625%
HK$39,827
+HK$2,285/mo
Deposit HK$5.16M · loan HK$7.75M · min. income ≈ HK$75,084/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,301
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,355
−HK$1,069/mo
Today · 4.125%
HK$41,424
baseline
▲ 0.50% · 4.625%
HK$43,608
+HK$2,184/mo
Deposit HK$5.16M · loan HK$7.75M · min. income ≈ HK$82,848/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,215
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,497
−HK$1,302/mo
Today · 4.125%
HK$43,799
baseline
▲ 0.50% · 4.625%
HK$46,464
+HK$2,665/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$87,598/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,851
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,081
−HK$1,247/mo
Today · 4.125%
HK$48,328
baseline
▲ 0.50% · 4.625%
HK$50,876
+HK$2,548/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$96,656/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,990
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,639
−HK$1,674/mo
Today · 4.125%
HK$56,313
baseline
▲ 0.50% · 4.625%
HK$59,740
+HK$3,427/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,626/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,951
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,532
−HK$1,604/mo
Today · 4.125%
HK$62,136
baseline
▲ 0.50% · 4.625%
HK$65,411
+HK$3,275/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$124,272/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,142 · Scale 2, in force from 26 Feb 2026)