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$484,147 · 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$484,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,327
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,426
−HK$1,117/mo
Today · 4.125%
HK$37,543
baseline
▲ 0.50% · 4.625%
HK$39,827
+HK$2,284/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$484,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,301
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,355
−HK$1,070/mo
Today · 4.125%
HK$41,425
baseline
▲ 0.50% · 4.625%
HK$43,608
+HK$2,183/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$484,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,215
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,497
−HK$1,303/mo
Today · 4.125%
HK$43,800
baseline
▲ 0.50% · 4.625%
HK$46,465
+HK$2,665/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$484,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,851
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,081
−HK$1,248/mo
Today · 4.125%
HK$48,329
baseline
▲ 0.50% · 4.625%
HK$50,876
+HK$2,547/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$484,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,991
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,639
−HK$1,675/mo
Today · 4.125%
HK$56,314
baseline
▲ 0.50% · 4.625%
HK$59,740
+HK$3,426/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,628/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,952
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,533
−HK$1,604/mo
Today · 4.125%
HK$62,137
baseline
▲ 0.50% · 4.625%
HK$65,412
+HK$3,275/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$124,274/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,147 · Scale 2, in force from 26 Feb 2026)