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$29,355
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,268
−HK$927/mo
Today · 4.125%
HK$31,195
baseline
▲ 0.50% · 4.625%
HK$33,093
+HK$1,898/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,390/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,657
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,532
−HK$889/mo
Today · 4.125%
HK$34,421
baseline
▲ 0.50% · 4.625%
HK$36,235
+HK$1,814/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,842/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,225
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,321
−HK$1,113/mo
Today · 4.125%
HK$37,434
baseline
▲ 0.50% · 4.625%
HK$39,712
+HK$2,278/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,868/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,188
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,239
−HK$1,066/mo
Today · 4.125%
HK$41,305
baseline
▲ 0.50% · 4.625%
HK$43,482
+HK$2,177/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,610/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,096
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,375
−HK$1,298/mo
Today · 4.125%
HK$43,673
baseline
▲ 0.50% · 4.625%
HK$46,331
+HK$2,658/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,346/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,719
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,945
−HK$1,244/mo
Today · 4.125%
HK$48,189
baseline
▲ 0.50% · 4.625%
HK$50,729
+HK$2,540/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,378/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$482,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,838
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,482
−HK$1,670/mo
Today · 4.125%
HK$56,152
baseline
▲ 0.50% · 4.625%
HK$59,568
+HK$3,416/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,304/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,782
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,358
−HK$1,600/mo
Today · 4.125%
HK$61,958
baseline
▲ 0.50% · 4.625%
HK$65,224
+HK$3,266/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,916/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,751 · Scale 2, in force from 26 Feb 2026)