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$29,343
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,255
−HK$928/mo
Today · 4.125%
HK$31,183
baseline
▲ 0.50% · 4.625%
HK$33,080
+HK$1,897/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,366/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,643
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,519
−HK$888/mo
Today · 4.125%
HK$34,407
baseline
▲ 0.50% · 4.625%
HK$36,221
+HK$1,814/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,814/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,211
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,306
−HK$1,113/mo
Today · 4.125%
HK$37,419
baseline
▲ 0.50% · 4.625%
HK$39,696
+HK$2,277/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,838/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,172
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,223
−HK$1,065/mo
Today · 4.125%
HK$41,288
baseline
▲ 0.50% · 4.625%
HK$43,465
+HK$2,177/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,576/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,080
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,357
−HK$1,299/mo
Today · 4.125%
HK$43,656
baseline
▲ 0.50% · 4.625%
HK$46,312
+HK$2,656/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,312/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,701
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,926
−HK$1,244/mo
Today · 4.125%
HK$48,170
baseline
▲ 0.50% · 4.625%
HK$50,709
+HK$2,539/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,340/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,817
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,460
−HK$1,669/mo
Today · 4.125%
HK$56,129
baseline
▲ 0.50% · 4.625%
HK$59,544
+HK$3,415/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$112,258/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,758
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,334
−HK$1,599/mo
Today · 4.125%
HK$61,933
baseline
▲ 0.50% · 4.625%
HK$65,197
+HK$3,264/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$123,866/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,554 · Scale 2, in force from 26 Feb 2026)