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$29,342
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,255
−HK$927/mo
Today · 4.125%
HK$31,182
baseline
▲ 0.50% · 4.625%
HK$33,079
+HK$1,897/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$62,364/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,643
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,518
−HK$888/mo
Today · 4.125%
HK$34,406
baseline
▲ 0.50% · 4.625%
HK$36,220
+HK$1,814/mo
Deposit HK$6.43M · loan HK$6.43M · min. income ≈ HK$68,812/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,211
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,306
−HK$1,113/mo
Today · 4.125%
HK$37,419
baseline
▲ 0.50% · 4.625%
HK$39,695
+HK$2,276/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,838/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,171
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,222
−HK$1,066/mo
Today · 4.125%
HK$41,288
baseline
▲ 0.50% · 4.625%
HK$43,464
+HK$2,176/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,576/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,079
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,357
−HK$1,298/mo
Today · 4.125%
HK$43,655
baseline
▲ 0.50% · 4.625%
HK$46,311
+HK$2,656/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,310/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,700
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,926
−HK$1,243/mo
Today · 4.125%
HK$48,169
baseline
▲ 0.50% · 4.625%
HK$50,708
+HK$2,539/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,338/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,816
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,459
−HK$1,669/mo
Today · 4.125%
HK$56,128
baseline
▲ 0.50% · 4.625%
HK$59,543
+HK$3,415/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$112,256/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,757
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,333
−HK$1,599/mo
Today · 4.125%
HK$61,932
baseline
▲ 0.50% · 4.625%
HK$65,196
+HK$3,264/mo
Deposit HK$1.29M · loan HK$11.58M · min. income ≈ HK$123,864/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,547 · Scale 2, in force from 26 Feb 2026)