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$29,444
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,360
−HK$931/mo
Today · 4.125%
HK$31,291
baseline
▲ 0.50% · 4.625%
HK$33,195
+HK$1,904/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,582/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,756
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,635
−HK$891/mo
Today · 4.125%
HK$34,526
baseline
▲ 0.50% · 4.625%
HK$36,346
+HK$1,820/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,052/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,333
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,432
−HK$1,117/mo
Today · 4.125%
HK$37,549
baseline
▲ 0.50% · 4.625%
HK$39,833
+HK$2,284/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,098/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,308
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,362
−HK$1,069/mo
Today · 4.125%
HK$41,431
baseline
▲ 0.50% · 4.625%
HK$43,615
+HK$2,184/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,862/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,222
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,504
−HK$1,303/mo
Today · 4.125%
HK$43,807
baseline
▲ 0.50% · 4.625%
HK$46,472
+HK$2,665/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$87,614/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,859
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,089
−HK$1,247/mo
Today · 4.125%
HK$48,336
baseline
▲ 0.50% · 4.625%
HK$50,884
+HK$2,548/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$96,672/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,000
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,648
−HK$1,675/mo
Today · 4.125%
HK$56,323
baseline
▲ 0.50% · 4.625%
HK$59,750
+HK$3,427/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,646/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,961
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,543
−HK$1,604/mo
Today · 4.125%
HK$62,147
baseline
▲ 0.50% · 4.625%
HK$65,423
+HK$3,276/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$124,294/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,225 · Scale 2, in force from 26 Feb 2026)