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$29,357
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,270
−HK$928/mo
Today · 4.125%
HK$31,198
baseline
▲ 0.50% · 4.625%
HK$33,097
+HK$1,899/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,396/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,660
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,536
−HK$888/mo
Today · 4.125%
HK$34,424
baseline
▲ 0.50% · 4.625%
HK$36,239
+HK$1,815/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,848/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,229
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,325
−HK$1,113/mo
Today · 4.125%
HK$37,438
baseline
▲ 0.50% · 4.625%
HK$39,716
+HK$2,278/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,876/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,192
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,243
−HK$1,066/mo
Today · 4.125%
HK$41,309
baseline
▲ 0.50% · 4.625%
HK$43,486
+HK$2,177/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,618/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,100
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,379
−HK$1,299/mo
Today · 4.125%
HK$43,678
baseline
▲ 0.50% · 4.625%
HK$46,335
+HK$2,657/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,356/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,724
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,950
−HK$1,244/mo
Today · 4.125%
HK$48,194
baseline
▲ 0.50% · 4.625%
HK$50,734
+HK$2,540/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,388/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,843
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,487
−HK$1,670/mo
Today · 4.125%
HK$56,157
baseline
▲ 0.50% · 4.625%
HK$59,574
+HK$3,417/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,314/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,787
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,364
−HK$1,600/mo
Today · 4.125%
HK$61,964
baseline
▲ 0.50% · 4.625%
HK$65,230
+HK$3,266/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,928/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,796 · Scale 2, in force from 26 Feb 2026)