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$29,453
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,369
−HK$931/mo
Today · 4.125%
HK$31,300
baseline
▲ 0.50% · 4.625%
HK$33,204
+HK$1,904/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,600/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,766
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,645
−HK$891/mo
Today · 4.125%
HK$34,536
baseline
▲ 0.50% · 4.625%
HK$36,357
+HK$1,821/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,072/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,344
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,443
−HK$1,117/mo
Today · 4.125%
HK$37,560
baseline
▲ 0.50% · 4.625%
HK$39,845
+HK$2,285/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,120/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,319
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$40,374
−HK$1,070/mo
Today · 4.125%
HK$41,444
baseline
▲ 0.50% · 4.625%
HK$43,628
+HK$2,184/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,888/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,234
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,517
−HK$1,303/mo
Today · 4.125%
HK$43,820
baseline
▲ 0.50% · 4.625%
HK$46,486
+HK$2,666/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$87,640/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,873
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,103
−HK$1,248/mo
Today · 4.125%
HK$48,351
baseline
▲ 0.50% · 4.625%
HK$50,900
+HK$2,549/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$96,702/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,015
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,664
−HK$1,676/mo
Today · 4.125%
HK$56,340
baseline
▲ 0.50% · 4.625%
HK$59,768
+HK$3,428/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,680/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,979
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,561
−HK$1,604/mo
Today · 4.125%
HK$62,165
baseline
▲ 0.50% · 4.625%
HK$65,442
+HK$3,277/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$124,330/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,370 · Scale 2, in force from 26 Feb 2026)