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$29,303
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,214
−HK$926/mo
Today · 4.125%
HK$31,140
baseline
▲ 0.50% · 4.625%
HK$33,035
+HK$1,895/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,280/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,599
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,473
−HK$887/mo
Today · 4.125%
HK$34,360
baseline
▲ 0.50% · 4.625%
HK$36,172
+HK$1,812/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,720/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$481,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,163
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$36,257
−HK$1,112/mo
Today · 4.125%
HK$37,369
baseline
▲ 0.50% · 4.625%
HK$39,642
+HK$2,273/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$74,738/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,119
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,168
−HK$1,065/mo
Today · 4.125%
HK$41,233
baseline
▲ 0.50% · 4.625%
HK$43,406
+HK$2,173/mo
Deposit HK$5.14M · loan HK$7.71M · min. income ≈ HK$82,466/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$481,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,024
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,300
−HK$1,297/mo
Today · 4.125%
HK$43,597
baseline
▲ 0.50% · 4.625%
HK$46,249
+HK$2,652/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$87,194/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,639
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,863
−HK$1,242/mo
Today · 4.125%
HK$48,105
baseline
▲ 0.50% · 4.625%
HK$50,640
+HK$2,535/mo
Deposit HK$3.86M · loan HK$9.00M · min. income ≈ HK$96,210/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$481,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,745
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,386
−HK$1,667/mo
Today · 4.125%
HK$56,053
baseline
▲ 0.50% · 4.625%
HK$59,464
+HK$3,411/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$112,106/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,679
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,252
−HK$1,597/mo
Today · 4.125%
HK$61,849
baseline
▲ 0.50% · 4.625%
HK$65,109
+HK$3,260/mo
Deposit HK$1.29M · loan HK$11.57M · min. income ≈ HK$123,698/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$481,902 · Scale 2, in force from 26 Feb 2026)