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$29,320
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,232
−HK$927/mo
Today · 4.125%
HK$31,159
baseline
▲ 0.50% · 4.625%
HK$33,055
+HK$1,896/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,318/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,618
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,493
−HK$888/mo
Today · 4.125%
HK$34,381
baseline
▲ 0.50% · 4.625%
HK$36,193
+HK$1,812/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,762/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,184
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$36,279
−HK$1,112/mo
Today · 4.125%
HK$37,391
baseline
▲ 0.50% · 4.625%
HK$39,666
+HK$2,275/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,782/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,142
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$40,192
−HK$1,065/mo
Today · 4.125%
HK$41,257
baseline
▲ 0.50% · 4.625%
HK$43,431
+HK$2,174/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,514/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,048
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,325
−HK$1,297/mo
Today · 4.125%
HK$43,622
baseline
▲ 0.50% · 4.625%
HK$46,277
+HK$2,655/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,244/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,666
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,890
−HK$1,243/mo
Today · 4.125%
HK$48,133
baseline
▲ 0.50% · 4.625%
HK$50,670
+HK$2,537/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,266/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,776
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,418
−HK$1,668/mo
Today · 4.125%
HK$56,086
baseline
▲ 0.50% · 4.625%
HK$59,499
+HK$3,413/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,172/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,713
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,288
−HK$1,597/mo
Today · 4.125%
HK$61,885
baseline
▲ 0.50% · 4.625%
HK$65,147
+HK$3,262/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,770/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,186 · Scale 2, in force from 26 Feb 2026)