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$29,314
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,226
−HK$926/mo
Today · 4.125%
HK$31,152
baseline
▲ 0.50% · 4.625%
HK$33,048
+HK$1,896/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,304/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,611
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,486
−HK$887/mo
Today · 4.125%
HK$34,373
baseline
▲ 0.50% · 4.625%
HK$36,185
+HK$1,812/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,746/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,177
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,271
−HK$1,111/mo
Today · 4.125%
HK$37,382
baseline
▲ 0.50% · 4.625%
HK$39,657
+HK$2,275/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,764/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$482,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,134
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,183
−HK$1,065/mo
Today · 4.125%
HK$41,248
baseline
▲ 0.50% · 4.625%
HK$43,422
+HK$2,174/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,496/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$482,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,039
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,316
−HK$1,297/mo
Today · 4.125%
HK$43,613
baseline
▲ 0.50% · 4.625%
HK$46,267
+HK$2,654/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,226/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,656
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,880
−HK$1,242/mo
Today · 4.125%
HK$48,122
baseline
▲ 0.50% · 4.625%
HK$50,659
+HK$2,537/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,244/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,765
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,406
−HK$1,668/mo
Today · 4.125%
HK$56,074
baseline
▲ 0.50% · 4.625%
HK$59,486
+HK$3,412/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,148/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,700
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,275
−HK$1,597/mo
Today · 4.125%
HK$61,872
baseline
▲ 0.50% · 4.625%
HK$65,133
+HK$3,261/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,744/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,081 · Scale 2, in force from 26 Feb 2026)