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$29,438
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,354
−HK$930/mo
Today · 4.125%
HK$31,284
baseline
▲ 0.50% · 4.625%
HK$33,188
+HK$1,904/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,568/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,750
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,628
−HK$891/mo
Today · 4.125%
HK$34,519
baseline
▲ 0.50% · 4.625%
HK$36,339
+HK$1,820/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,038/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,326
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,425
−HK$1,116/mo
Today · 4.125%
HK$37,541
baseline
▲ 0.50% · 4.625%
HK$39,825
+HK$2,284/mo
Deposit HK$5.16M · loan HK$7.75M · min. income ≈ HK$75,082/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,300
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,354
−HK$1,069/mo
Today · 4.125%
HK$41,423
baseline
▲ 0.50% · 4.625%
HK$43,606
+HK$2,183/mo
Deposit HK$5.16M · loan HK$7.75M · min. income ≈ HK$82,846/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,213
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,495
−HK$1,303/mo
Today · 4.125%
HK$43,798
baseline
▲ 0.50% · 4.625%
HK$46,463
+HK$2,665/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$87,596/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,850
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,079
−HK$1,248/mo
Today · 4.125%
HK$48,327
baseline
▲ 0.50% · 4.625%
HK$50,874
+HK$2,547/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$96,654/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,989
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,637
−HK$1,675/mo
Today · 4.125%
HK$56,312
baseline
▲ 0.50% · 4.625%
HK$59,738
+HK$3,426/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,624/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,949
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,530
−HK$1,604/mo
Today · 4.125%
HK$62,134
baseline
▲ 0.50% · 4.625%
HK$65,409
+HK$3,275/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$124,268/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,127 · Scale 2, in force from 26 Feb 2026)