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$29,341
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,253
−HK$928/mo
Today · 4.125%
HK$31,181
baseline
▲ 0.50% · 4.625%
HK$33,078
+HK$1,897/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,362/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,641
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,517
−HK$888/mo
Today · 4.125%
HK$34,405
baseline
▲ 0.50% · 4.625%
HK$36,218
+HK$1,813/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,810/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,209
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,304
−HK$1,113/mo
Today · 4.125%
HK$37,417
baseline
▲ 0.50% · 4.625%
HK$39,693
+HK$2,276/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,834/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,169
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,220
−HK$1,066/mo
Today · 4.125%
HK$41,286
baseline
▲ 0.50% · 4.625%
HK$43,462
+HK$2,176/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,572/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,077
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,355
−HK$1,298/mo
Today · 4.125%
HK$43,653
baseline
▲ 0.50% · 4.625%
HK$46,309
+HK$2,656/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,306/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,698
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,923
−HK$1,244/mo
Today · 4.125%
HK$48,167
baseline
▲ 0.50% · 4.625%
HK$50,706
+HK$2,539/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,334/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,813
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,456
−HK$1,669/mo
Today · 4.125%
HK$56,125
baseline
▲ 0.50% · 4.625%
HK$59,540
+HK$3,415/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$112,250/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,754
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,330
−HK$1,599/mo
Today · 4.125%
HK$61,929
baseline
▲ 0.50% · 4.625%
HK$65,193
+HK$3,264/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$123,858/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,523 · Scale 2, in force from 26 Feb 2026)