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$29,318
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,230
−HK$927/mo
Today · 4.125%
HK$31,157
baseline
▲ 0.50% · 4.625%
HK$33,053
+HK$1,896/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,314/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,616
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,491
−HK$888/mo
Today · 4.125%
HK$34,379
baseline
▲ 0.50% · 4.625%
HK$36,191
+HK$1,812/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,758/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,182
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,276
−HK$1,112/mo
Today · 4.125%
HK$37,388
baseline
▲ 0.50% · 4.625%
HK$39,663
+HK$2,275/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,776/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,140
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,189
−HK$1,065/mo
Today · 4.125%
HK$41,254
baseline
▲ 0.50% · 4.625%
HK$43,429
+HK$2,175/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,508/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,046
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,322
−HK$1,298/mo
Today · 4.125%
HK$43,620
baseline
▲ 0.50% · 4.625%
HK$46,274
+HK$2,654/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,240/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,663
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,888
−HK$1,242/mo
Today · 4.125%
HK$48,130
baseline
▲ 0.50% · 4.625%
HK$50,667
+HK$2,537/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,260/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,773
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,415
−HK$1,667/mo
Today · 4.125%
HK$56,082
baseline
▲ 0.50% · 4.625%
HK$59,495
+HK$3,413/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,164/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,710
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,284
−HK$1,597/mo
Today · 4.125%
HK$61,881
baseline
▲ 0.50% · 4.625%
HK$65,143
+HK$3,262/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,762/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,157 · Scale 2, in force from 26 Feb 2026)