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$29,312
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,224
−HK$926/mo
Today · 4.125%
HK$31,150
baseline
▲ 0.50% · 4.625%
HK$33,045
+HK$1,895/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,300/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,609
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,484
−HK$887/mo
Today · 4.125%
HK$34,371
baseline
▲ 0.50% · 4.625%
HK$36,183
+HK$1,812/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,742/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,174
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,268
−HK$1,112/mo
Today · 4.125%
HK$37,380
baseline
▲ 0.50% · 4.625%
HK$39,654
+HK$2,274/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,760/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$482,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,131
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,180
−HK$1,065/mo
Today · 4.125%
HK$41,245
baseline
▲ 0.50% · 4.625%
HK$43,419
+HK$2,174/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,490/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$482,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,037
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,313
−HK$1,297/mo
Today · 4.125%
HK$43,610
baseline
▲ 0.50% · 4.625%
HK$46,263
+HK$2,653/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,220/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,653
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,877
−HK$1,242/mo
Today · 4.125%
HK$48,119
baseline
▲ 0.50% · 4.625%
HK$50,656
+HK$2,537/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,238/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,761
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,402
−HK$1,668/mo
Today · 4.125%
HK$56,070
baseline
▲ 0.50% · 4.625%
HK$59,482
+HK$3,412/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,140/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,696
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,271
−HK$1,597/mo
Today · 4.125%
HK$61,868
baseline
▲ 0.50% · 4.625%
HK$65,129
+HK$3,261/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,736/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,049 · Scale 2, in force from 26 Feb 2026)