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$29,357
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,270
−HK$928/mo
Today · 4.125%
HK$31,198
baseline
▲ 0.50% · 4.625%
HK$33,096
+HK$1,898/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$62,396/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,659
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,535
−HK$889/mo
Today · 4.125%
HK$34,424
baseline
▲ 0.50% · 4.625%
HK$36,238
+HK$1,814/mo
Deposit HK$6.44M · loan HK$6.44M · min. income ≈ HK$68,848/mo (50% DSR)
Upfront cash ≈ HK$6.92M (deposit + AVD stamp duty HK$482,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,228
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,324
−HK$1,114/mo
Today · 4.125%
HK$37,438
baseline
▲ 0.50% · 4.625%
HK$39,716
+HK$2,278/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$74,876/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,191
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,242
−HK$1,067/mo
Today · 4.125%
HK$41,309
baseline
▲ 0.50% · 4.625%
HK$43,486
+HK$2,177/mo
Deposit HK$5.15M · loan HK$7.72M · min. income ≈ HK$82,618/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$482,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,100
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,378
−HK$1,299/mo
Today · 4.125%
HK$43,677
baseline
▲ 0.50% · 4.625%
HK$46,335
+HK$2,658/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$87,354/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,723
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,949
−HK$1,244/mo
Today · 4.125%
HK$48,193
baseline
▲ 0.50% · 4.625%
HK$50,734
+HK$2,541/mo
Deposit HK$3.86M · loan HK$9.01M · min. income ≈ HK$96,386/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$482,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,843
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,486
−HK$1,670/mo
Today · 4.125%
HK$56,156
baseline
▲ 0.50% · 4.625%
HK$59,573
+HK$3,417/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$112,312/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,787
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,364
−HK$1,599/mo
Today · 4.125%
HK$61,963
baseline
▲ 0.50% · 4.625%
HK$65,229
+HK$3,266/mo
Deposit HK$1.29M · loan HK$11.59M · min. income ≈ HK$123,926/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$482,792 · Scale 2, in force from 26 Feb 2026)