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$29,278
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,188
−HK$926/mo
Today · 4.125%
HK$31,114
baseline
▲ 0.50% · 4.625%
HK$33,007
+HK$1,893/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$62,228/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,571
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,445
−HK$886/mo
Today · 4.125%
HK$34,331
baseline
▲ 0.50% · 4.625%
HK$36,140
+HK$1,809/mo
Deposit HK$6.42M · loan HK$6.42M · min. income ≈ HK$68,662/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$481,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,133
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$36,226
−HK$1,110/mo
Today · 4.125%
HK$37,336
baseline
▲ 0.50% · 4.625%
HK$39,608
+HK$2,272/mo
Deposit HK$5.14M · loan HK$7.70M · min. income ≈ HK$74,672/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,085
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$40,133
−HK$1,064/mo
Today · 4.125%
HK$41,197
baseline
▲ 0.50% · 4.625%
HK$43,368
+HK$2,171/mo
Deposit HK$5.14M · loan HK$7.70M · min. income ≈ HK$82,394/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,989
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,264
−HK$1,295/mo
Today · 4.125%
HK$43,559
baseline
▲ 0.50% · 4.625%
HK$46,209
+HK$2,650/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$87,118/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,599
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,822
−HK$1,241/mo
Today · 4.125%
HK$48,063
baseline
▲ 0.50% · 4.625%
HK$50,596
+HK$2,533/mo
Deposit HK$3.85M · loan HK$8.99M · min. income ≈ HK$96,126/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$481,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,700
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,339
−HK$1,665/mo
Today · 4.125%
HK$56,004
baseline
▲ 0.50% · 4.625%
HK$59,412
+HK$3,408/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$112,008/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,628
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,200
−HK$1,595/mo
Today · 4.125%
HK$61,795
baseline
▲ 0.50% · 4.625%
HK$65,053
+HK$3,258/mo
Deposit HK$1.28M · loan HK$11.56M · min. income ≈ HK$123,590/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,486 · Scale 2, in force from 26 Feb 2026)