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$29,333
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,245
−HK$927/mo
Today · 4.125%
HK$31,172
baseline
▲ 0.50% · 4.625%
HK$33,069
+HK$1,897/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,344/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,633
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,508
−HK$888/mo
Today · 4.125%
HK$34,396
baseline
▲ 0.50% · 4.625%
HK$36,209
+HK$1,813/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,792/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,200
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,294
−HK$1,113/mo
Today · 4.125%
HK$37,407
baseline
▲ 0.50% · 4.625%
HK$39,683
+HK$2,276/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,814/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,159
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$40,209
−HK$1,066/mo
Today · 4.125%
HK$41,275
baseline
▲ 0.50% · 4.625%
HK$43,450
+HK$2,175/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,550/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,066
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,344
−HK$1,297/mo
Today · 4.125%
HK$43,641
baseline
▲ 0.50% · 4.625%
HK$46,297
+HK$2,656/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,282/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,686
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,911
−HK$1,243/mo
Today · 4.125%
HK$48,154
baseline
▲ 0.50% · 4.625%
HK$50,692
+HK$2,538/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,308/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,799
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,442
−HK$1,668/mo
Today · 4.125%
HK$56,110
baseline
▲ 0.50% · 4.625%
HK$59,524
+HK$3,414/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$112,220/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,739
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,314
−HK$1,598/mo
Today · 4.125%
HK$61,912
baseline
▲ 0.50% · 4.625%
HK$65,176
+HK$3,264/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$123,824/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,396 · Scale 2, in force from 26 Feb 2026)