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$29,358
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,271
−HK$928/mo
Today · 4.125%
HK$31,199
baseline
▲ 0.50% · 4.625%
HK$33,098
+HK$1,899/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,398/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,661
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,537
−HK$888/mo
Today · 4.125%
HK$34,425
baseline
▲ 0.50% · 4.625%
HK$36,240
+HK$1,815/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,850/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,230
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,326
−HK$1,113/mo
Today · 4.125%
HK$37,439
baseline
▲ 0.50% · 4.625%
HK$39,717
+HK$2,278/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,878/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,193
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,244
−HK$1,066/mo
Today · 4.125%
HK$41,310
baseline
▲ 0.50% · 4.625%
HK$43,488
+HK$2,178/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,620/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,101
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,380
−HK$1,299/mo
Today · 4.125%
HK$43,679
baseline
▲ 0.50% · 4.625%
HK$46,337
+HK$2,658/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,358/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,725
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,951
−HK$1,244/mo
Today · 4.125%
HK$48,195
baseline
▲ 0.50% · 4.625%
HK$50,736
+HK$2,541/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,390/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,845
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,488
−HK$1,670/mo
Today · 4.125%
HK$56,158
baseline
▲ 0.50% · 4.625%
HK$59,576
+HK$3,418/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,316/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,789
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,366
−HK$1,599/mo
Today · 4.125%
HK$61,965
baseline
▲ 0.50% · 4.625%
HK$65,232
+HK$3,267/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,930/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,810 · Scale 2, in force from 26 Feb 2026)