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$29,307
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,219
−HK$926/mo
Today · 4.125%
HK$31,145
baseline
▲ 0.50% · 4.625%
HK$33,040
+HK$1,895/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,290/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,604
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,478
−HK$887/mo
Today · 4.125%
HK$34,365
baseline
▲ 0.50% · 4.625%
HK$36,177
+HK$1,812/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,730/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,168
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,262
−HK$1,112/mo
Today · 4.125%
HK$37,374
baseline
▲ 0.50% · 4.625%
HK$39,648
+HK$2,274/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,748/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,124
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,174
−HK$1,064/mo
Today · 4.125%
HK$41,238
baseline
▲ 0.50% · 4.625%
HK$43,412
+HK$2,174/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,476/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,030
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,306
−HK$1,297/mo
Today · 4.125%
HK$43,603
baseline
▲ 0.50% · 4.625%
HK$46,256
+HK$2,653/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,206/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,645
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,869
−HK$1,242/mo
Today · 4.125%
HK$48,111
baseline
▲ 0.50% · 4.625%
HK$50,647
+HK$2,536/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,222/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,752
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,393
−HK$1,667/mo
Today · 4.125%
HK$56,060
baseline
▲ 0.50% · 4.625%
HK$59,472
+HK$3,412/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,120/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,687
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,260
−HK$1,597/mo
Today · 4.125%
HK$61,857
baseline
▲ 0.50% · 4.625%
HK$65,118
+HK$3,261/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,714/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,968 · Scale 2, in force from 26 Feb 2026)