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$29,346
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,259
−HK$927/mo
Today · 4.125%
HK$31,186
baseline
▲ 0.50% · 4.625%
HK$33,084
+HK$1,898/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,372/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,647
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,523
−HK$888/mo
Today · 4.125%
HK$34,411
baseline
▲ 0.50% · 4.625%
HK$36,225
+HK$1,814/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,822/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,215
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,311
−HK$1,112/mo
Today · 4.125%
HK$37,423
baseline
▲ 0.50% · 4.625%
HK$39,701
+HK$2,278/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,846/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,177
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,227
−HK$1,066/mo
Today · 4.125%
HK$41,293
baseline
▲ 0.50% · 4.625%
HK$43,470
+HK$2,177/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,586/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,084
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,362
−HK$1,299/mo
Today · 4.125%
HK$43,661
baseline
▲ 0.50% · 4.625%
HK$46,317
+HK$2,656/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,322/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,706
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,932
−HK$1,243/mo
Today · 4.125%
HK$48,175
baseline
▲ 0.50% · 4.625%
HK$50,715
+HK$2,540/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,350/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,823
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,466
−HK$1,669/mo
Today · 4.125%
HK$56,135
baseline
▲ 0.50% · 4.625%
HK$59,551
+HK$3,416/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$112,270/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,765
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,341
−HK$1,599/mo
Today · 4.125%
HK$61,940
baseline
▲ 0.50% · 4.625%
HK$65,205
+HK$3,265/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$123,880/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,610 · Scale 2, in force from 26 Feb 2026)