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$29,347
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,260
−HK$928/mo
Today · 4.125%
HK$31,188
baseline
▲ 0.50% · 4.625%
HK$33,085
+HK$1,897/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,376/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,649
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,524
−HK$889/mo
Today · 4.125%
HK$34,413
baseline
▲ 0.50% · 4.625%
HK$36,227
+HK$1,814/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,826/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,217
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,312
−HK$1,113/mo
Today · 4.125%
HK$37,425
baseline
▲ 0.50% · 4.625%
HK$39,702
+HK$2,277/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,850/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,178
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,229
−HK$1,066/mo
Today · 4.125%
HK$41,295
baseline
▲ 0.50% · 4.625%
HK$43,472
+HK$2,177/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,590/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,086
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,364
−HK$1,299/mo
Today · 4.125%
HK$43,663
baseline
▲ 0.50% · 4.625%
HK$46,320
+HK$2,657/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,326/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,708
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,934
−HK$1,244/mo
Today · 4.125%
HK$48,178
baseline
▲ 0.50% · 4.625%
HK$50,717
+HK$2,539/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,356/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,825
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,468
−HK$1,670/mo
Today · 4.125%
HK$56,138
baseline
▲ 0.50% · 4.625%
HK$59,554
+HK$3,416/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$112,276/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,768
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,344
−HK$1,599/mo
Today · 4.125%
HK$61,943
baseline
▲ 0.50% · 4.625%
HK$65,208
+HK$3,265/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$123,886/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,633 · Scale 2, in force from 26 Feb 2026)