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$29,362
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,276
−HK$928/mo
Today · 4.125%
HK$31,204
baseline
▲ 0.50% · 4.625%
HK$33,102
+HK$1,898/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,408/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,665
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,541
−HK$889/mo
Today · 4.125%
HK$34,430
baseline
▲ 0.50% · 4.625%
HK$36,245
+HK$1,815/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,860/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,235
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,331
−HK$1,113/mo
Today · 4.125%
HK$37,444
baseline
▲ 0.50% · 4.625%
HK$39,723
+HK$2,279/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$74,888/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,198
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,250
−HK$1,066/mo
Today · 4.125%
HK$41,316
baseline
▲ 0.50% · 4.625%
HK$43,494
+HK$2,178/mo
Deposit HK$5.15M · loan HK$7.73M · min. income ≈ HK$82,632/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,107
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,386
−HK$1,299/mo
Today · 4.125%
HK$43,685
baseline
▲ 0.50% · 4.625%
HK$46,343
+HK$2,658/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,370/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,731
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,958
−HK$1,244/mo
Today · 4.125%
HK$48,202
baseline
▲ 0.50% · 4.625%
HK$50,743
+HK$2,541/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,404/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,852
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,496
−HK$1,670/mo
Today · 4.125%
HK$56,166
baseline
▲ 0.50% · 4.625%
HK$59,584
+HK$3,418/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,332/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,797
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,374
−HK$1,600/mo
Today · 4.125%
HK$61,974
baseline
▲ 0.50% · 4.625%
HK$65,241
+HK$3,267/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,948/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,879 · Scale 2, in force from 26 Feb 2026)