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$29,324
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,237
−HK$926/mo
Today · 4.125%
HK$31,163
baseline
▲ 0.50% · 4.625%
HK$33,060
+HK$1,897/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,326/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,623
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,498
−HK$888/mo
Today · 4.125%
HK$34,386
baseline
▲ 0.50% · 4.625%
HK$36,198
+HK$1,812/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,772/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,189
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,284
−HK$1,112/mo
Today · 4.125%
HK$37,396
baseline
▲ 0.50% · 4.625%
HK$39,671
+HK$2,275/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$74,792/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,148
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,198
−HK$1,065/mo
Today · 4.125%
HK$41,263
baseline
▲ 0.50% · 4.625%
HK$43,438
+HK$2,175/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$82,526/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,054
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,331
−HK$1,298/mo
Today · 4.125%
HK$43,629
baseline
▲ 0.50% · 4.625%
HK$46,283
+HK$2,654/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,258/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,672
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,897
−HK$1,243/mo
Today · 4.125%
HK$48,140
baseline
▲ 0.50% · 4.625%
HK$50,677
+HK$2,537/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,280/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,784
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,426
−HK$1,668/mo
Today · 4.125%
HK$56,094
baseline
▲ 0.50% · 4.625%
HK$59,507
+HK$3,413/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,188/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,722
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,297
−HK$1,597/mo
Today · 4.125%
HK$61,894
baseline
▲ 0.50% · 4.625%
HK$65,157
+HK$3,263/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,788/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,256 · Scale 2, in force from 26 Feb 2026)