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$29,329
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,242
−HK$927/mo
Today · 4.125%
HK$31,169
baseline
▲ 0.50% · 4.625%
HK$33,065
+HK$1,896/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,338/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,629
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,504
−HK$887/mo
Today · 4.125%
HK$34,391
baseline
▲ 0.50% · 4.625%
HK$36,204
+HK$1,813/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,782/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,195
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,290
−HK$1,112/mo
Today · 4.125%
HK$37,402
baseline
▲ 0.50% · 4.625%
HK$39,678
+HK$2,276/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$74,804/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,154
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,204
−HK$1,066/mo
Today · 4.125%
HK$41,270
baseline
▲ 0.50% · 4.625%
HK$43,445
+HK$2,175/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$82,540/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,061
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,338
−HK$1,298/mo
Today · 4.125%
HK$43,636
baseline
▲ 0.50% · 4.625%
HK$46,291
+HK$2,655/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,272/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,680
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,905
−HK$1,243/mo
Today · 4.125%
HK$48,148
baseline
▲ 0.50% · 4.625%
HK$50,686
+HK$2,538/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,296/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,793
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,435
−HK$1,668/mo
Today · 4.125%
HK$56,103
baseline
▲ 0.50% · 4.625%
HK$59,517
+HK$3,414/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$112,206/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,731
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,307
−HK$1,597/mo
Today · 4.125%
HK$61,904
baseline
▲ 0.50% · 4.625%
HK$65,168
+HK$3,264/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$123,808/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,336 · Scale 2, in force from 26 Feb 2026)