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$29,365
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,278
−HK$928/mo
Today · 4.125%
HK$31,206
baseline
▲ 0.50% · 4.625%
HK$33,105
+HK$1,899/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,412/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,668
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,544
−HK$889/mo
Today · 4.125%
HK$34,433
baseline
▲ 0.50% · 4.625%
HK$36,248
+HK$1,815/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,866/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,237
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,333
−HK$1,114/mo
Today · 4.125%
HK$37,447
baseline
▲ 0.50% · 4.625%
HK$39,726
+HK$2,279/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,894/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,201
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,253
−HK$1,066/mo
Today · 4.125%
HK$41,319
baseline
▲ 0.50% · 4.625%
HK$43,497
+HK$2,178/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,638/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,110
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,389
−HK$1,299/mo
Today · 4.125%
HK$43,688
baseline
▲ 0.50% · 4.625%
HK$46,347
+HK$2,659/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,376/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,735
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,961
−HK$1,245/mo
Today · 4.125%
HK$48,206
baseline
▲ 0.50% · 4.625%
HK$50,747
+HK$2,541/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,412/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,856
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,500
−HK$1,671/mo
Today · 4.125%
HK$56,171
baseline
▲ 0.50% · 4.625%
HK$59,589
+HK$3,418/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,342/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,802
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,379
−HK$1,600/mo
Today · 4.125%
HK$61,979
baseline
▲ 0.50% · 4.625%
HK$65,246
+HK$3,267/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,958/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,915 · Scale 2, in force from 26 Feb 2026)