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$29,319
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,231
−HK$927/mo
Today · 4.125%
HK$31,158
baseline
▲ 0.50% · 4.625%
HK$33,054
+HK$1,896/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,316/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,617
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,492
−HK$887/mo
Today · 4.125%
HK$34,379
baseline
▲ 0.50% · 4.625%
HK$36,192
+HK$1,813/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,758/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$482,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,183
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,277
−HK$1,112/mo
Today · 4.125%
HK$37,389
baseline
▲ 0.50% · 4.625%
HK$39,664
+HK$2,275/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,778/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,141
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,190
−HK$1,065/mo
Today · 4.125%
HK$41,255
baseline
▲ 0.50% · 4.625%
HK$43,430
+HK$2,175/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,510/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,047
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,324
−HK$1,297/mo
Today · 4.125%
HK$43,621
baseline
▲ 0.50% · 4.625%
HK$46,275
+HK$2,654/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,242/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,664
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,889
−HK$1,242/mo
Today · 4.125%
HK$48,131
baseline
▲ 0.50% · 4.625%
HK$50,668
+HK$2,537/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,262/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,774
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,416
−HK$1,668/mo
Today · 4.125%
HK$56,084
baseline
▲ 0.50% · 4.625%
HK$59,496
+HK$3,412/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,168/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,711
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,286
−HK$1,597/mo
Today · 4.125%
HK$61,883
baseline
▲ 0.50% · 4.625%
HK$65,145
+HK$3,262/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,766/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,169 · Scale 2, in force from 26 Feb 2026)