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$29,321
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,233
−HK$926/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$482,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,619
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,494
−HK$887/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$482,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,185
−HK$2,206/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$7.72M · min. income ≈ HK$74,782/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,143
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,192
−HK$1,065/mo
Today · 4.125%
HK$41,257
baseline
▲ 0.50% · 4.625%
HK$43,432
+HK$2,175/mo
Deposit HK$5.14M · loan HK$7.72M · min. income ≈ HK$82,514/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,049
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,326
−HK$1,297/mo
Today · 4.125%
HK$43,623
baseline
▲ 0.50% · 4.625%
HK$46,277
+HK$2,654/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,246/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,666
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,891
−HK$1,242/mo
Today · 4.125%
HK$48,133
baseline
▲ 0.50% · 4.625%
HK$50,671
+HK$2,538/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$482,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,777
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,419
−HK$1,667/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$482,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,714
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,288
−HK$1,598/mo
Today · 4.125%
HK$61,886
baseline
▲ 0.50% · 4.625%
HK$65,148
+HK$3,262/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,772/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,191 · Scale 2, in force from 26 Feb 2026)