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$29,325
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,237
−HK$927/mo
Today · 4.125%
HK$31,164
baseline
▲ 0.50% · 4.625%
HK$33,060
+HK$1,896/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,328/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,624
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,499
−HK$888/mo
Today · 4.125%
HK$34,387
baseline
▲ 0.50% · 4.625%
HK$36,199
+HK$1,812/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,774/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,190
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,285
−HK$1,112/mo
Today · 4.125%
HK$37,397
baseline
▲ 0.50% · 4.625%
HK$39,673
+HK$2,276/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$74,794/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,149
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,199
−HK$1,065/mo
Today · 4.125%
HK$41,264
baseline
▲ 0.50% · 4.625%
HK$43,439
+HK$2,175/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$82,528/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,055
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,332
−HK$1,298/mo
Today · 4.125%
HK$43,630
baseline
▲ 0.50% · 4.625%
HK$46,285
+HK$2,655/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,260/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,674
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,899
−HK$1,242/mo
Today · 4.125%
HK$48,141
baseline
▲ 0.50% · 4.625%
HK$50,679
+HK$2,538/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,282/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,785
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,427
−HK$1,669/mo
Today · 4.125%
HK$56,096
baseline
▲ 0.50% · 4.625%
HK$59,509
+HK$3,413/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,192/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,723
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,298
−HK$1,598/mo
Today · 4.125%
HK$61,896
baseline
▲ 0.50% · 4.625%
HK$65,159
+HK$3,263/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,792/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,270 · Scale 2, in force from 26 Feb 2026)