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$29,449
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,365
−HK$931/mo
Today · 4.125%
HK$31,296
baseline
▲ 0.50% · 4.625%
HK$33,200
+HK$1,904/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,592/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,762
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,641
−HK$891/mo
Today · 4.125%
HK$34,532
baseline
▲ 0.50% · 4.625%
HK$36,352
+HK$1,820/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$69,064/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,339
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,438
−HK$1,117/mo
Today · 4.125%
HK$37,555
baseline
▲ 0.50% · 4.625%
HK$39,840
+HK$2,285/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,110/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,315
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,369
−HK$1,070/mo
Today · 4.125%
HK$41,439
baseline
▲ 0.50% · 4.625%
HK$43,623
+HK$2,184/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,878/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,229
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,512
−HK$1,303/mo
Today · 4.125%
HK$43,815
baseline
▲ 0.50% · 4.625%
HK$46,481
+HK$2,666/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$87,630/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,867
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,097
−HK$1,248/mo
Today · 4.125%
HK$48,345
baseline
▲ 0.50% · 4.625%
HK$50,893
+HK$2,548/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$96,690/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,009
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,658
−HK$1,675/mo
Today · 4.125%
HK$56,333
baseline
▲ 0.50% · 4.625%
HK$59,761
+HK$3,428/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,666/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,972
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,553
−HK$1,605/mo
Today · 4.125%
HK$62,158
baseline
▲ 0.50% · 4.625%
HK$65,434
+HK$3,276/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$124,316/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,310 · Scale 2, in force from 26 Feb 2026)