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$1,846/mo
▼ 0.25% · 3.875%
HK$30,369
−HK$930/mo
Today · 4.125%
HK$31,299
baseline
▲ 0.50% · 4.625%
HK$33,204
+HK$1,905/mo
Deposit HK$6.46M · loan HK$6.46M · min. income ≈ HK$62,598/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$484,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,766
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,644
−HK$892/mo
Today · 4.125%
HK$34,536
baseline
▲ 0.50% · 4.625%
HK$36,356
+HK$1,820/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$484,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,343
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$36,442
−HK$1,117/mo
Today · 4.125%
HK$37,559
baseline
▲ 0.50% · 4.625%
HK$39,845
+HK$2,286/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$75,118/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,319
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$40,373
−HK$1,070/mo
Today · 4.125%
HK$41,443
baseline
▲ 0.50% · 4.625%
HK$43,628
+HK$2,185/mo
Deposit HK$5.17M · loan HK$7.75M · min. income ≈ HK$82,886/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$484,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,234
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,516
−HK$1,303/mo
Today · 4.125%
HK$43,819
baseline
▲ 0.50% · 4.625%
HK$46,486
+HK$2,667/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$87,638/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,872
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,102
−HK$1,248/mo
Today · 4.125%
HK$48,350
baseline
▲ 0.50% · 4.625%
HK$50,899
+HK$2,549/mo
Deposit HK$3.87M · loan HK$9.04M · min. income ≈ HK$96,700/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$484,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,015
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,664
−HK$1,675/mo
Today · 4.125%
HK$56,339
baseline
▲ 0.50% · 4.625%
HK$59,767
+HK$3,428/mo
Deposit HK$1.29M · loan HK$11.62M · min. income ≈ HK$112,678/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$484,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,978
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,560
−HK$1,605/mo
Today · 4.125%
HK$62,165
baseline
▲ 0.50% · 4.625%
HK$65,441
+HK$3,276/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$484,362 · Scale 2, in force from 26 Feb 2026)