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$29,360
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,273
−HK$928/mo
Today · 4.125%
HK$31,201
baseline
▲ 0.50% · 4.625%
HK$33,100
+HK$1,899/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,402/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,663
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,539
−HK$888/mo
Today · 4.125%
HK$34,427
baseline
▲ 0.50% · 4.625%
HK$36,242
+HK$1,815/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,854/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,232
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,328
−HK$1,113/mo
Today · 4.125%
HK$37,441
baseline
▲ 0.50% · 4.625%
HK$39,720
+HK$2,279/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,882/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,195
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,246
−HK$1,067/mo
Today · 4.125%
HK$41,313
baseline
▲ 0.50% · 4.625%
HK$43,490
+HK$2,177/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,626/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,104
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,382
−HK$1,300/mo
Today · 4.125%
HK$43,682
baseline
▲ 0.50% · 4.625%
HK$46,339
+HK$2,657/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,364/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,728
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,954
−HK$1,244/mo
Today · 4.125%
HK$48,198
baseline
▲ 0.50% · 4.625%
HK$50,739
+HK$2,541/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,396/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,848
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,492
−HK$1,670/mo
Today · 4.125%
HK$56,162
baseline
▲ 0.50% · 4.625%
HK$59,579
+HK$3,417/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,324/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,793
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,370
−HK$1,599/mo
Today · 4.125%
HK$61,969
baseline
▲ 0.50% · 4.625%
HK$65,236
+HK$3,267/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,938/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,840 · Scale 2, in force from 26 Feb 2026)